Leeds Building Society

Helping you, helping others

Each year Leeds Building Society will make a donation equivalent to 1% of the average balance in all Caring Saver accounts. This is shared equally between our charity partners; Save the Children, Help the Aged, Marie Curie Cancer Care and the Leeds Building Society Charitable Foundation.

The Caring Saver is the kind of account that appeals to your head as well as your heart. It offers you an attractive rate of interest whatever your investment, plus easy access to your money. You can have four instant access withdrawals every calendar year without notice or loss of interest, but further withdrawals are subject to 30 days loss of interest.

Summary Box Key Product Information for our Savings Account
Account Name	Caring Saver
Interest Rates (AERs)	See the "How much interest will I earn?" table below.
Tax Status	The gross rate(s) of interest shown will be payable net of the appropriate rate of income tax (which may be reclaimed by non-taxpayers) or, subject to the required certification, gross.
Conditions for bonus payment	There is no bonus available on this account.
Withdrawal arrangements	You can make four withdrawals each calendar year without notice or loss of interest. Further withdrawals are subject to 30 days loss of interest or an equivalent amount.
Access	Account can be opened and operated through any of our branches or by post.

How much interest will I earn?

Other Product Features:

Minimum and maximum investment and operating balance
The minimum investment is £500 and the maximum investment is £1,000,000 (£2,000,000 for joint accounts).

When is interest paid?
Interest is paid annually on 1 May.

How is interest paid?
Interest can be either credited to the account or transferred either to another building society/bank account or to another account held with the Society.

Your Interest... In Theirs
We’re delighted to support a wide range of community and charitable projects throughout the UK. We'd like to help more people and feel that you would like to do more too. You can help further by participating in our ‘Your Interest... In Theirs’ scheme.

It only takes a moment to donate... but just think of the difference it could make
In addition to the donation made from the Caring Saver, the pence amount of your annual interest could also be donated to the Leeds Building Society Charitable Foundation and our other three key partner charities. The maximum amount you donate through the scheme can be only 99p per account each year, but if all our members participate, it adds up to an amount that could make a real difference! The money will be split equally between the four charities on the same date as the rest of the interest is credited to your account, so once you've agreed to donate, you don't need to do anything else.

If you do not wish to participate in the scheme, simply complete the section within the application form. If you change your mind, you can stop your donation at any time by contacting your local branch or calling us on 0113 225 7777. By agreeing to donate the pence interest from your account(s) with the Society, you are agreeing that this is a variation to the Society’s General Investment Terms & Conditions.

Important notes

§ Gross means the rate payable before the deduction of income tax .

† AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.

Leeds Building Society is a member of the Building Societies’ Association. The Society is a participant in the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. Payments under the Scheme are limited to a maximum payment of £50,000 of an investor's total shares and/or deposits in a society. Most investors are covered, including individuals and small firms. A small number of categories of shares and deposits are not covered, for example deferred shares – permanent interest bearing shares. Although most shares and deposits are denominated in sterling, all other currencies are covered. Further details are available on request from the Society.

The Society is covered by the Financial Ombudsman Service. The Society subscribes to and undertakes to comply with the Banking Code, which establishes minimum standards of good banking practice. A copy of the Code and further details of our investment products are available on request from your local branch or our Customer Helpline on 0113 225 7777. We may monitor and/or record your telephone conversation with the Society to ensure consistent service levels (including staff training).

The Society offers some investment products that may be operated through branches and by post and certain products which can be operated by post only.

Leeds Building Society is authorised and regulated by the Financial Services Authority and our registration number is 164992.

Other taxes or costs may exist that are not paid by Leeds Building Society.