Dudley Building Society Three Year Fixed Rate ISA Review

A three-year cash ISA from Dudley Building Society. It ranks 22nd of 28 three-year cash ISAs we track.

Fixed rate · 3 years

4.30%AER

Protection

FSCS£120,000

Min balance

£100

Max balance

£500,000

Access

At maturity only

Interest paid

Anniversary/On maturity

Transfers in

Accepted

How It Stacks Up

Ranks 22nd of 28

3-year cash ISAs we track

Below average
This account 4.30%
UK CPI (Aug 2026)
3.10%
Pays 1.20% more
Average 3-year cash ISA
4.61%
Pays 0.31% less
Best 3-year cash ISA
5.11%
Pays 0.81% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare cash ISAs

Worth Weighing Up

  • Con: Your money is locked in for 3 years

Good to Know

Before maturity, we will inform you about available accounts if you wish to reinvest in another account with the Society. If you do not specify what you would like to do with the funds, your funds will be transferred to the default maturity account available at the time, but you may not receive the same interest rate. Further information about ISAs can be obtained on the HM Revenue & Customers website www.hmrc.gov.uk. We accept ISA transfers into this account. To find out more about our ISA transfer procedure, visit our ISA transfers page linked below. https://www.dudleybuildingsociety.co.uk/savings/existing-customers/isa-transfers/. Transfer in requests must be received within 14 days of the account open date. After this date, a transfer in cannot be completed,. Additional subscriptions are permitted to add the full HMRC allowance for the tax year until the 5th April of the current tax year. After this date, no further subscriptions are permitted.

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Estimated returns with Dudley Building Society's Cash ISA

What you could earn with Dudley Building Society's Three Year Fixed Rate ISA.

Estimated interest

£1,000 saved

£135

At 4.3% AER

£5,000 saved

£673

At 4.3% AER

£10,000 saved

£1,346

At 4.3% AER

£500,000 saved

£67,313

At 4.3% AER

Estimated over the 36-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Dudley Building Society Three Year Fixed Rate ISA

Jonny PeaseCo-Founder, DepositScout

Dudley Building Society's Three Year Fixed Rate ISA pays 4.30%, which does beat inflation by 1.20% against a CPI of 3.1%, but it sits below the cash ISA market average and 0.82% behind the category leader at 5.12%. The hard catch is that your money is completely locked away for three years with no access until maturity. It accepts transfers in and opens from £100, so it suits patient savers consolidating old ISAs, but I would compare it against easy-access ISA alternatives paying similar rates before committing to a three-year lock-in.

Compare Cash ISAs

2 alternatives to Dudley Building Society's Three Year Fixed Rate ISA

Same type of account, closest on rate.

Common questions about the Three Year Fixed Rate ISA

D

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