top of page

Issue 1: Earn 4.25% AER with Our 1-Year Fixed Term Savings Account

  • Apr 8
  • 3 min read

NOTE: 4,25% as of April 2026, check product page for actual rate.

If you've got money sitting in a standard current account earning next to nowt, it's time to do something about it. Whether you're in Blackpool, Lytham St Annes, Fleetwood, Cleveleys, or anywhere along the Fylde Coast, Chorley, Preston, Ribble or Southport — CLEVR Money is offering your hard-earned cash a proper upgrade.


Our 1-Year Fixed Term Savings Account is currently offering a highly competitive 4.25% AER (Annual Equivalent Rate) — and right now, that's one of the best fixed rate savings rates available from a trusted, community-focused financial provider in the region.


What Does 4.25% AER Mean for You?


AER stands for Annual Equivalent Rate — it's the standard way UK savings providers show you how much interest you'll earn over a year.


With our fixed rate savings account, if you deposit £10,000 for 12 months at 4.25% AER, you'd earn a non-deducted £425 in interest — with no effort whatsoever. That's real money back in your pocket, not buried in a low-interest account that's barely keeping up with the cost of living.


You can open your account with as little as £5,000 and save up to £20,000. So whether you've been putting money aside for a while or come into a lump sum — perhaps from a redundancy payment, the sale of a property, or simply years of grafting and saving — this account is built for people just like you.


Why a Fixed Rate Savings Account Makes Sense Right Now


Interest rates don't stay high forever. By locking in at 4.25% gross/AER fixed for a full year, you're protecting yourself from any future rate drops. You know exactly what you'll earn. No surprises. No nasty changes halfway through.


This is especially important if you've been leaving your money in an easy access account or a cash ISA that's quietly offering much less. Many high street banks and building societies are still paying a fraction of what we're offering — and where the cost of living is real and every pound counts, shopping around for the best savings rate has never mattered more.


CLEVR Money is proud to be right at the top of that conversation.


Built for the Our Common Bond, Built for You


CLEVR Money operates local with headquarter located in Blackpool. Our deep roots in communities circulating from Lancaster to Southport to Chorley and Preston.


When you save with us, you're not just growing your own money. You're helping fund affordable loans for your neighbours and families right across the common bond area who need a fair alternative to high-cost credit. That's what a credit union does — it keeps money in the community, where it belongs.


Your savings are also fully FSCS protected up to £120,000, so you can rest easy knowing your money is safe and sound.


Is It Right for Me?



  • Have a lump sum between £5,000 and £20,000 you don't need to touch for a year

  • Want a guaranteed, competitive return without the risk of investing in stocks and shares

  • Are looking for the best fixed term savings rate in Lancashire and the Northwest

  • Want to save with an ethical, community-focused provider you can trust

  • Live or work in our common bond area


How to Get Started


Opening an account takes just a few minutes once you download our app. If you're already a CLEVR Money member, even better — you're already halfway there. Visit the Fixed Term Saving Account page for further details.


Don't let your savings sit idle. With a 4.25% AER fixed rate, a 1-year term, and FSCS protection, this is a straightforward, no-nonsense way to make more from the money you've already worked hard to save.


4.25% AER. Fixed for one year. FSCS protected. Local, trusted, and on your side.


Ready to make your savings earn properly? Open your Fixed Term Savings Account today.

NOTE: 4.25% AER as of April 2026 — please check our product page for the current rate. CLEVR Money is a not-for-profit credit union authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Your eligible deposits are protected up to £120,000 by the FSCS. Fixed rate applies for the full 1-year term. Terms and conditions apply.

bottom of page