Cash ISACompare 2 Year Fixed Rate Cash ISAs

Earl Shilton Building Society 2 Year Fixed Rate ISA Review

A two-year cash ISA from Earl Shilton Building Society. It ranks 52nd of 53 two-year cash ISAs we track.

Fixed rate · 2 years

3.80%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£10

Max balance

No limit

Access

No access

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 52nd of 53

2-year cash ISAs we track

Well below average
This account 3.80%
UK CPI (Aug 2026)
3.10%
Pays 0.70% more
Average 2-year cash ISA
4.56%
Pays 0.76% less
Best 2-year cash ISA
5.08%
Pays 1.28% less

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

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Worth Weighing Up

  • Con: Your money is locked in for 2 years

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Estimated returns with Earl Shilton Building Society's Cash ISA

What you could earn with Earl Shilton Building Society's 2 Year Fixed Rate ISA.

Estimated interest

£1,000 saved

£77.44

At 3.8% AER

£5,000 saved

£387

At 3.8% AER

£10,000 saved

£774

At 3.8% AER

£50,000 saved

£3,872

At 3.8% 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 Earl Shilton Building Society 2 Year Fixed Rate ISA

Jan WatermannCo-Founder, DepositScout

Earl Shilton's 2 Year Fixed Rate ISA pays 3.8%, which sits below the market average for cash ISAs and 1.45% behind the category leader at 5.25%. It does beat August 2026 CPI of 3.1% by 0.70%, so your money keeps pace with inflation, but only just. The minimum deposit is just £10, which suits smaller savers, though the account allows no access for the full two years. I would look at the NatWest Fixed Rate ISA 2 Year at 4.25% or the Barclays equivalent at 4.55% before committing here.

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2 alternatives to Earl Shilton Building Society's 2 Year Fixed Rate ISA

Same type of account, closest on rate.

Common questions about the 2 Year Fixed Rate ISA

D

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