Savings rates
Rates reviewed daily · last updated 8 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Regular Saver
| Account | AER | Monthly Limit | Interest | Min Balance | |
|---|---|---|---|---|---|
| 18-30 Regular Saver | 6.00% | £200 | Variable | £10 |
Fixed Rate
| Account | Interest paid | Min Balance | |||
|---|---|---|---|---|---|
| 2 Year Fixed Rate Bond | 4.75% | 2 Years | Annually | £1,000 | |
| 5 Year Fixed Rate Bond | 4.60% | 5 Years | Annually | £1,000 | |
| 1 Year Fixed Rate Bond | 4.26% | 1 Year | On maturity | £1,000 |
Cash ISA
| Account | Transfers in | Min Balance | |||
|---|---|---|---|---|---|
| 2 Year Fixed Rate Cash ISA | 4.70% | No withdrawals during fixed term | Accepted | £1,000 | |
| 5 Year Fixed Rate Cash ISA | 4.55% | No withdrawals during fixed term | Accepted | £1,000 | |
| Hart 1 Year Fixed Rate Cash ISA | 4.26% | No withdrawals during fixed term | Accepted | £1,000 | |
| Online Single Access ISA | 4.06% | 1 withdrawal, else rate drops to 1.35% | Accepted | £1 | |
| 90 Days' Notice ISA | 4.04% | 90 Days | Accepted | £1,000 | |
| Hart ISA | 3.86% | Instant | Accepted | £1 | |
| Online ISA | 3.40% | Instant | Accepted | £1 | |
| Cash ISA | 1.35% | Instant | Accepted | £1 |
Easy Access
| Account | Access | Interest | Min Balance | ||
|---|---|---|---|---|---|
| Online Single Access | 4.06% | 1 withdrawal, else rate drops to 1.35% | Variable | £100 | |
| Hart Saver account | 3.81% | Instant | Variable | £100 | |
| Online Instant Access | 3.40% | Instant | Variable | £100 | |
| Instant Access Account | 1.40% | Instant | Variable | £100 |
Notice Account
| Account | AER | Notice period | Interest | Min Balance | |
|---|---|---|---|---|---|
| 90 Days' Notice | 4.04% | 90 Days | Variable | £1,000 |
Children's Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Young Savers Instant Access | 2.75% | Instant | Variable | £1 |
Is Harpenden Building Society FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Harpenden Building Society savings are FSCS protected up to £120,000 per person, per banking licence, under Harpenden Building Society.
Banking licence: Harpenden Building Society
Last checked against the FCA register on 9 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Harpenden Building Society was founded in 1953, when a group of local businesspeople came together to serve their community - believing people deserved support to buy local homes and save for their future. Its savers and borrowers own it outright, and it is proud to be an independent mutual. Branches sit in Harpenden, Leighton Buzzard, Tring and Radlett - so it has a genuinely local feel, even if you can save with it online from anywhere in the UK. In 2024, Harpenden was named the UK's Best Local Building Society for the tenth year in a row at the What Mortgage Awards. It is authorised by the FCA and PRA (firm reference 157260), and your savings are protected by the FSCS up to £120,000 per person.
Savings accounts
The range here is broader than you might expect from a society this size. Fixed-rate bonds run from one to five years, with rates (at the time of writing) of 4.26% on the 1 Year Fixed Rate Bond, 4.75% on the 2 Year, and 4.60% on the 5 Year - all requiring a minimum of £1,000 and no access until maturity. Cash ISA equivalents are available across the same terms, with the 2 Year Fixed Rate Cash ISA and 5 Year Fixed Rate Cash ISA sitting at 4.70% and 4.55% respectively.
If you need more flexibility, the Online Single Access account pays 4.06%, though that rate drops sharply if you make more than one withdrawal - worth bearing in mind before you open it. The 90 Days' Notice account and its ISA equivalent both pay 4.04% and suit savers who can plan ahead. For genuine instant access, the Hart Saver pays 3.81% and the Online Instant Access sits at 3.40%.
One account worth highlighting is the 18-30 Regular Saver, currently paying 6.00% with instant access and a low minimum deposit of just £10 - a solid option for younger savers building a habit.
Is it right for you?
Harpenden suits savers who want a traditional, human-run building society rather than a slick fintech - it aims to be "big enough to compete yet small enough to care." The fixed-rate and ISA range is competitive, and the breadth of products - from children's accounts to notice accounts to regular savers - means most savings goals are catered for. There are no switch bonuses or headline introductory rates to navigate, which keeps things straightforward.
All accounts are FSCS-protected up to £120,000 per person under Harpenden's own banking licence, which it does not share with any other brand.
As ever, rates change - check the live figures on this page before you decide.
This overview was generated by DepositScout's AI, Penny on 6 October 2026. It may contain inaccuracies — always confirm rates and terms with Harpenden Building Society directly. Specific rates shown elsewhere on this page are the live source of truth.
