Making the Best Out of My Savings in Return Financially and Emotionally

Why CLEVR Money's rate is very competitive?

A 4.25% AER sounds like a great rate — until you realise you have to wait 5 years for your locked deposit to mature. On top of that, you pay all admin fees out of the return you make.

That is not the case with the CLEVR Money Fixed Savings Account. It's a 1-year fixed term only, with no admin fees or any other charges — just added peace of mind.

We don't deduct anything from your return, and you still get 4.25% AER — exactly like any commercial banking offer. You get back exactly what you earned. That's your financial return.

And there's more: your money stays circulating locally, helping more individuals begin their financial stability journey with us. But what does that mean?

What is the emotional return?

Imagine knowing that your savings are growing within the locality — no external vendors, no international earners. Only within our common bond area, which covers postcodes: all of FYs, LA1–LA4, PR1–PR9, and PR25–PR26.

Your money supports the core mission of CLEVR Money as a not-for-profit organisation. We focus directly on helping individuals begin their financial stability journey, while also supporting them with small loans to help them get back on their feet. That loan typically comes with a condition to start saving with us while repaying it. This approach has shown members how manageable saving can be — and when the loan is paid off, many discover they have extra money sitting there, ready to use for whatever they need. Moving forward, many of our members now save regularly and only take a loan when they truly need one.

What's in it for you? You can take pride in knowing that simply by saving with us, you're helping to uplift individuals within your community. It's better than charity — you're not feeding someone for a day; you're teaching them to fish for a lifetime.

Read more and join us: Fixed Savings Account.

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.