Fixed Rate

Harpenden Building Society 5 Year Fixed Rate Bond Review

A five-year fixed rate bond from Harpenden Building Society, with a £1,000 minimum deposit. It ranks 28th of 40 five-year fixed rate bonds we track.

Fixed rate · 5 years

4.60%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 28th of 40

5-year fixed bonds we track

Below average
This account 4.60%
UK CPI (Aug 2026)
3.10%
Pays 1.50% more
Average 5-year fixed
4.79%
Pays 0.19% less
Best 5-year fixed
5.37%
Pays 0.77% 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 5 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 5 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£252

At 4.6% AER

£5,000 saved

£1,261

At 4.6% AER

£10,000 saved

£2,522

At 4.6% AER

£1,000,000 saved

£252,156

At 4.6% AER

Estimated over the 60-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 5 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Harpenden Building Society's 5 Year Fixed Rate Bond pays 4.6%, which sits below the market average for fixed-rate accounts and 0.77% behind the current leader at 5.37%. That gap matters over five years, and I would at least compare it against Hampshire Trust Bank's 5 Year Online Fixed Saver or thisbank's 5-Year Fixed Term Deposit, both at 5.05%. The rate does beat CPI inflation by 1.50% based on August 2026 figures, so your money grows in real terms, but the genuine catch here is that you have no access at all until maturity.

Compare Fixed Rate Bonds

2 alternatives to Harpenden Building Society's 5 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 5 Year Fixed Rate Bond

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