Fixed RateCompare 5 Year Fixed Rate Bonds

Hinckley & Rugby Building Society 5 Year Fixed Rate Bond Review

A competitive five-year fixed rate bond from Hinckley & Rugby Building Society, with a £1,000 minimum deposit. It ranks 18th of 39 five-year fixed rate bonds we track.

Fixed rate · 5 years

4.95%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

No limit

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 18th of 39

5-year fixed bonds we track

Above average
This account 4.95%
UK CPI (Aug 2026)
3.10%
Pays 1.85% more
Average 5-year fixed
4.79%
Pays 0.16% more
Best 5-year fixed
5.37%
Pays 0.42% less

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

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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 Hinckley & Rugby Building Society's Fixed Rate

What you could earn with Hinckley & Rugby Building Society's 5 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£273

At 4.95% AER

£5,000 saved

£1,366

At 4.95% AER

£10,000 saved

£2,732

At 4.95% AER

£50,000 saved

£13,662

At 4.95% 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 Hinckley & Rugby Building Society 5 Year Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

Hinckley & Rugby's 5 Year Fixed Rate Bond pays 4.95%, which sits near the market average for fixed-rate savings and 0.42% behind the category leader at 5.37%. It does beat inflation by 1.85% above the current CPI of 3.1%, so your money grows in real terms, which matters over five years. The obvious catch is that there is no access until maturity, so this suits savers who are certain they will not need the funds. Skipton Building Society offers a comparable five-year bond at 5.00% if you want a slightly better rate with a similar structure.

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2 alternatives to Hinckley & Rugby 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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