Cash ISA

Harpenden Building Society 5 Year Fixed Rate Cash ISA Review

A five-year cash ISA from Harpenden Building Society, with a £1,000 minimum deposit. It ranks 20th of 28 five-year cash ISAs we track.

Fixed rate · 5 years

4.55%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 20th of 28

5-year cash ISAs we track

Below average
This account 4.55%
UK CPI (Aug 2026)
3.10%
Pays 1.45% more
Average 5-year cash ISA
4.68%
Pays 0.13% less
Best 5-year cash ISA
5.25%
Pays 0.70% 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 5 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£249

At 4.55% AER

£5,000 saved

£1,246

At 4.55% AER

£10,000 saved

£2,492

At 4.55% AER

£250,000 saved

£62,292

At 4.55% 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.

Our Expert Opinion on Harpenden Building Society 5 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Harpenden's 5 Year Fixed Rate Cash ISA pays 4.55%, which sits near the market average for cash ISAs but is 0.70% behind the category leader at 5.25%. It does beat inflation by 1.45% above the current CPI of 3.1%, so your money grows in real terms, which matters over five years. The real catch is that no withdrawals are permitted during the fixed term, so this suits savers who are certain they will not need the money. Furness Building Society offers a comparable five-year cash ISA at 4.91% if the rate gap concerns you.

Compare Cash ISAs

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

Same type of account, closest on rate.

Common questions about the 5 Year Fixed Rate Cash ISA

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