Cash ISACompare 5 Year Fixed Rate Cash ISAs

Hinckley & Rugby Building Society 5 Year Fixed Rate Cash ISA Review

A competitive five-year cash ISA from Hinckley & Rugby Building Society. It ranks 9th of 32 five-year cash ISAs we track.

Fixed rate · 5 years

4.95%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

No limit

Access

Limited withdrawals

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 9th of 32

5-year cash ISAs we track

Above average
This account 4.95%
UK CPI (Aug 2026)
3.10%
Pays 1.85% more
Average 5-year cash ISA
4.72%
Pays 0.23% more
Best 5-year cash ISA
5.25%
Pays 0.30% less

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

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A Good Fit For

  • Pro: New and existing savers

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Estimated returns with Hinckley & Rugby Building Society's Cash ISA

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

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.

Our Expert Opinion on Hinckley & Rugby Building Society 5 Year Fixed Rate Cash ISA

Jonny PeaseCo-Founder, DepositScout

Hinckley & Rugby's 5 Year Fixed Rate Cash ISA pays 4.95%, which sits above the cash ISA market average but 0.30% behind the category leader at 5.25%. At 1.85% above August 2026 CPI of 3.1%, your money does grow in real terms, which matters over five years. The main catch is that access is limited, so this suits savers who genuinely will not need the funds for the full term. Hampshire Trust Bank and Darlington Building Society both match 4.95% if you want to compare before committing.

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2 alternatives to Hinckley & Rugby 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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