Cash Lifetime ISA Interest Rate = 3.8% AER (variable)
Cash ISA Interest Rate = 3.8% AER (variable)
1 Year Fixed ISA Interest Rate = 4.3% AER (fixed)
Tembo HomeSaver = 5.24% AER (3.74% variable + 1.5% fixed)
Right now, when you save into a Tembo Cash Lifetime ISA the interest rate is 3.8% a year, which could go up or down in the future (in finance jargon, that’s 3.8% AER variable). The gross rate is 3.730%. This is currently the market-leading interest rate for the Cash Lifetime ISA, excluding introductory periods*. This means over 5-years, you'll save hundreds more versus the next best product on the market from any of our competitors.
With the Tembo Cash ISA, the interest rate is 3.8% AER variable (the gross rate is 3.730%). With Tembo, you'll earn 2.7x more interest over 5 years vs saving with one of the UK's biggest four banks.**
Tax treatment depends on individual circumstances and may be subject to change in the future. *Market-leading is defined as Tembo having the best Lifetime ISA interest rate, excluding introductory offer periods. Rates are accurate as of December 2025, but are subject to change.
**Based on saving £100 at the beginning of each month for 5-years.