Fixed Rate

Harpenden Building Society 2 Year Fixed Rate Bond Review

A competitive two-year fixed rate bond from Harpenden Building Society, with a £1,000 minimum deposit. It ranks 27th of 69 two-year fixed rate bonds we track.

Fixed rate · 2 years

4.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£1,000,000

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 27th of 69

2-year fixed bonds we track

Above average
This account 4.75%
UK CPI (Aug 2026)
3.10%
Pays 1.65% more
Average 2-year fixed
4.65%
Pays 0.10% more
Best 2-year fixed
5.20%
Pays 0.45% 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 £1,000 to open it

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Estimated returns with Harpenden Building Society's Fixed Rate

What you could earn with Harpenden Building Society's 2 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£97.26

At 4.75% AER

£5,000 saved

£486

At 4.75% AER

£10,000 saved

£973

At 4.75% AER

£1,000,000 saved

£97,256

At 4.75% 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 Harpenden Building Society 2 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Harpenden Building Society's 2 Year Fixed Rate Bond pays 4.75%, which sits below the market average for fixed-rate accounts and 0.62% behind the current market leader at 5.37% across all terms. That said, 4.75% does beat August 2026 CPI inflation of 3.1% by 1.65%, so your money is growing in real terms. The main catch is the complete lack of access until maturity, so only commit funds you genuinely will not need for two years. If you want a two-year fix specifically, Shawbrook's 2 Year Fixed Rate Bond at 4.96% or Kent Reliance's equivalent at 4.91% are worth a look first.

Compare Fixed Rate Bonds

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

Same type of account, closest on rate.

Common questions about the 2 Year Fixed Rate Bond

D

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