Cash ISA

Harpenden Building Society 2 Year Fixed Rate Cash ISA Review

A competitive two-year cash ISA from Harpenden Building Society, with a £1,000 minimum deposit. It ranks 23rd of 47 two-year cash ISAs we track.

Fixed rate · 2 years

4.70%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£250,000

Access

No withdrawals during fixed term

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 23rd of 47

2-year cash ISAs we track

Above average
This account 4.70%
UK CPI (Aug 2026)
3.10%
Pays 1.60% more
Average 2-year cash ISA
4.55%
Pays 0.15% more
Best 2-year cash ISA
5.08%
Pays 0.38% less

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

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Pros and cons

  • Pro: New and existing savers
  • Con: You need at least £1,000 to open it

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Estimated returns with Harpenden Building Society's Cash ISA

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

Estimated interest

£1,000 saved

£96.21

At 4.7% AER

£5,000 saved

£481

At 4.7% AER

£10,000 saved

£962

At 4.7% AER

£250,000 saved

£24,052

At 4.7% 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.

Our Expert Opinion on Harpenden Building Society 2 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Harpenden Building Society's 2 Year Fixed Rate Cash ISA pays 4.70%, which sits near the market average for cash ISAs and 0.55% behind the category leader at 5.25%. It does beat inflation by 1.60% against August 2026 CPI of 3.1%, which is worth something. The real catch is the complete withdrawal ban for two years, so only commit money you genuinely will not need. If you want a closer alternative, Hodge Bank's 2 Year Fixed Rate Cash ISA pays 4.85%.

Compare Cash ISAs

2 alternatives to Harpenden Building Society's 2 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 2 Year Fixed Rate Cash ISA

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