Cash ISA

Harpenden Building Society Hart 1 Year Fixed Rate Cash ISA Review

A one-year cash ISA from Harpenden Building Society, with a £1,000 minimum deposit. It ranks 39th of 53 one-year cash ISAs we track.

Fixed rate · 1 year

4.26%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 39th of 53

1-year cash ISAs we track

Below average
This account 4.26%
UK CPI (Aug 2026)
3.10%
Pays 1.16% more
Average 1-year cash ISA
4.42%
Pays 0.16% less
Best 1-year cash ISA
4.95%
Pays 0.69% 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 Hart 1 Year Fixed Rate Cash ISA.

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

£250,000 saved

£10,650

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.

Our Expert Opinion on Harpenden Building Society Hart 1 Year Fixed Rate Cash ISA

Jonny PeaseCo-Founder, DepositScout

Harpenden Building Society's Hart 1 Year Fixed Rate Cash ISA pays 4.26%, which sits below the cash ISA market average and 0.99% behind the category leader at 5.25%. It does at least beat August 2026 CPI of 3.1% by 1.16%, so your money grows in real terms. The catch is the usual one for fixed ISAs: no withdrawals during the term. If you want a one-year fixed ISA, Virgin Money's 1 Year Fixed Rate Cash E-ISA at 4.77% is worth a look first.

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2 alternatives to Harpenden Building Society's Hart 1 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the Hart 1 Year Fixed Rate Cash ISA

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