Fixed Rate

Harpenden Building Society 1 Year Fixed Rate Bond Review

A one-year fixed rate bond from Harpenden Building Society, with a £1,000 minimum deposit. It ranks 58th of 76 one-year fixed rate bonds we track.

Fixed rate · 1 year

4.26%AER

Rate checked Oct 2026Got this account? Leave a review

Min balance

£1,000

Max balance

£1,000,000

Access

At maturity only

Interest paid

On maturity

How It Stacks Up

Ranks 58th of 76

1-year fixed bonds we track

Below average
This account 4.26%
UK CPI (Aug 2026)
3.10%
Pays 1.16% more
Average 1-year fixed
4.55%
Pays 0.29% less
Best 1-year fixed
5.13%
Pays 0.87% less

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

Compare fixed bonds

Worth Weighing Up

  • Con: Your money is locked in for 1 year
  • Con: You need at least £1,000 to open it

Good to Know

Open to UK residents aged 18+; sole or joint accounts accepted. Can be opened in branch, by post, or online. Minimum deposit £1,000, maximum £1,000,000; only one payment allowed, made within 30 days of opening.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Harpenden Building Society's Fixed Rate

What you could earn with Harpenden Building Society's 1 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£42.60

At 4.26% AER

£5,000 saved

£213

At 4.26% AER

£10,000 saved

£426

At 4.26% AER

£1,000,000 saved

£42,600

At 4.26% AER

Estimated over one year, 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 Harpenden Building Society 1 Year Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

Harpenden Building Society's 1 Year Fixed Rate Bond pays 4.26%, which sits below the market average for fixed-rate accounts and 1.11% behind the category leader at 5.37%, so rate-seekers can do meaningfully better elsewhere. That said, 4.26% does beat August 2026 CPI of 3.1% by 1.16%, so your money at least grows in real terms. The genuine catch is that no withdrawals or early access are permitted during the term, with interest paid only at maturity. If you want a one-year fix, Atom Bank and DF Capital both offer 4.90%, and NS&I's Guaranteed Income Bonds reach 4.99%.

Compare Fixed Rate Bonds

2 alternatives to Harpenden Building Society's 1 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate Bond

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