Dudley Building Society Two Year Fixed Rate ISA Online Review

A two-year cash ISA from Dudley Building Society. It ranks 29th of 44 two-year cash ISAs we track.

Fixed rate · 2 years

4.25%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 29th of 44

2-year cash ISAs we track

Below average
This account 4.25%
UK CPI (Aug 2026)
3.10%
Pays 1.15% more
Average 2-year cash ISA
4.50%
Pays 0.25% less
Best 2-year cash ISA
5.05%
Pays 0.80% less

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

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Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 2 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 Two Year Fixed Rate ISA Online.

Estimated interest

£1,000 saved

£86.81

At 4.25% AER

£5,000 saved

£434

At 4.25% AER

£10,000 saved

£868

At 4.25% AER

£500,000 saved

£43,403

At 4.25% AER

Estimated over the 24-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 Two Year Fixed Rate ISA Online

Jan WatermannCo-Founder, DepositScout

This two-year fixed Cash ISA from Dudley Building Society pays 4.25%, which sits below the market average for Cash ISAs and 0.87% behind the category leader at 5.12%, so it is hard to recommend without reservation. The rate does beat August 2026 CPI of 3.1% by 1.15%, which at least means real returns, but the complete lack of access until maturity is a meaningful constraint if you need flexibility. Worth noting that Atom Bank's Easy Access Cash ISA currently matches this at 4.25%, so locking away for two years for no rate premium over an easy-access alternative seems a poor trade.

Compare Cash ISAs

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

Same type of account, closest on rate.

Common questions about the Two Year Fixed Rate ISA Online

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