Fixed Rate

Family Building Society 3 Year Fixed Rate Bond Review

A three-year fixed rate bond from Family Building Society, with a £10,000 minimum deposit. It ranks 33rd of 46 three-year fixed rate bonds we track.

Fixed rate · 3 years

4.45%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£10,000

Max balance

£250,000

Access

At maturity only

Interest paid

Annually

Rate Tiers

£1,000 to £9,999

4.25%AER

£10,000+

4.45%AER

How It Stacks Up

Ranks 33rd of 46

3-year fixed bonds we track

Below average
This account 4.45%
UK CPI (Aug 2026)
3.10%
Pays 1.35% more
Average 3-year fixed
4.66%
Pays 0.21% less
Best 3-year fixed
5.18%
Pays 0.73% less

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

Compare fixed bonds

A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 3 years
  • Con: You need at least £10,000 to open it

Please verify all details with the provider – see our Disclaimer

See all Family Building Society accounts

Estimated returns with Family Building Society's Fixed Rate

What you could earn with Family Building Society's 3 Year Fixed Rate Bond.

Estimated interest

£10,000 saved

£1,395

At 4.45% AER

£50,000 saved

£6,976

At 4.45% AER

£250,000 saved

£34,882

At 4.45% 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.

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

Our Expert Opinion on Family Building Society 3 Year Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

Family Building Society's 3 Year Fixed Rate Bond pays 4.45% on balances of £10,000 or more, dropping to 4.25% if you deposit between £1,000 and £9,999, so the minimum to get the headline rate is £10,000. That 4.45% sits 0.90% below the current leader across fixed-rate accounts and is below the market average, so it is not the sharpest deal available right now, though it does beat August 2026 CPI of 3.1% by 1.35%. The main catch is that your money is completely locked away for three years with no access until maturity, which is a long commitment if rates shift.

Compare Fixed Rate Bonds

2 alternatives to Family Building Society's 3 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Bond

D

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Family Building Society rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time