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Earl Shilton Building Society Fixed Rate Savings Bond Account Review

A two-year fixed rate bond from Earl Shilton Building Society, with a £10,000 minimum deposit. It ranks 52nd of 73 two-year fixed rate bonds we track.

Fixed rate · 2 years

4.40%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£10,000

Max balance

£85,000

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 52nd of 73

2-year fixed bonds we track

Below average
This account 4.40%
UK CPI (Aug 2026)
3.10%
Pays 1.30% more
Average 2-year fixed
4.63%
Pays 0.23% less
Best 2-year fixed
5.20%
Pays 0.80% 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
  • Con: You need at least £10,000 to open it

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Estimated returns with Earl Shilton Building Society's Fixed Rate

What you could earn with Earl Shilton Building Society's Fixed Rate Savings Bond Account.

Estimated interest

£10,000 saved

£899

At 4.4% AER

£50,000 saved

£4,497

At 4.4% AER

£85,000 saved

£7,645

At 4.4% 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.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Earl Shilton Building Society Fixed Rate Savings Bond Account

Jonny PeaseCo-Founder, DepositScout

Earl Shilton Building Society's two-year fixed rate bond pays 4.40%, which sits below the market average for fixed-rate savings and 0.97% behind the current market leader at 5.37%. The rate does beat August 2026 CPI of 3.1% by 1.30%, so your money grows in real terms, but if you are comfortable shopping around, Shawbrook or OakNorth Bank both offer 4.85% over the same two-year term. The minimum is £10,000 and the maximum £85,000, and the genuine catch here is that you cannot access your money at all until maturity.

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2 alternatives to Earl Shilton Building Society's Fixed Rate Savings Bond Account

Same type of account, closest on rate.

Common questions about the Fixed Rate Savings Bond Account

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