Easy Access

Hinckley & Rugby Building Society Borrowers Loyalty Tracker Bond Review

A competitive easy access account from Hinckley & Rugby Building Society. It ranks 56th of 194 easy access accounts we track.

Variable rate

3.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£100,000

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 56th of 194

Easy access accounts we track

Above average
This account 3.75%
UK CPI (Aug 2026)
3.10%
Pays 0.65% more
Average easy access
2.86%
Pays 0.89% more
Best easy access
5.50%
Pays 1.75% less

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

Compare easy access

A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 1 year
  • Con: The rate is variable, so it can go down

Good to Know

Only available to existing Hinckley & Rugby mortgage customers. Tracks the Bank of England Base Rate for one year from the date the account is opened.

Please verify all details with the provider – see our Disclaimer

See all Hinckley & Rugby Building Society accounts

Estimated returns with Hinckley & Rugby Building Society's Easy Access

What you could earn with Hinckley & Rugby Building Society's Borrowers Loyalty Tracker Bond.

Estimated interest

£1,000 saved

£37.50

At 3.75% AER

£5,000 saved

£188

At 3.75% AER

£10,000 saved

£375

At 3.75% AER

£100,000 saved

£3,750

At 3.75% 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.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Hinckley & Rugby Building Society Borrowers Loyalty Tracker Bond

Jonny PeaseCo-Founder, DepositScout

Despite the name, this is not a standard easy access account: the access field confirms there is no access until maturity, so your money is locked away for one year. At 3.75%, it sits 1.25% below the easy access market leader at 5.00%, which puts it firmly below the market average for that category. It does beat CPI inflation of 3.1% (Aug 2026) by 0.65%, and it is open from just £1, but if you want the same 3.75% with genuine flexibility, the NS&I Direct Saver or Kent Reliance Easy Access account offer that without the lock-in.

Compare Easy Access Accounts

2 alternatives to Hinckley & Rugby Building Society's Borrowers Loyalty Tracker Bond

Same type of account, closest on rate.

Common questions about the Borrowers Loyalty Tracker Bond

D

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4.20% AER
4.75%
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