Fixed Rate

Hinckley & Rugby Building Society Fixed Rate Bond Review

A one-year fixed rate bond from Hinckley & Rugby Building Society, running for 13 months, with a £1,000 minimum deposit. It ranks 51st of 78 one-year fixed rate bonds we track.

Fixed rate · 13 months

4.41%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£500,000

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 51st of 78

1-year fixed bonds we track

Below average
This account 4.41%
UK CPI (Aug 2026)
3.10%
Pays 1.31% more
Average 1-year fixed
4.54%
Pays 0.13% less
Best 1-year fixed
5.15%
Pays 0.74% less

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

Compare fixed bonds

A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 13 months
  • Con: You need at least £1,000 to open it

Good to Know

UK permanent and tax residents only. Lump sum: opening deposit must arrive within 5 business days and no additions after that. £500,000 maximum across all your Hinckley & Rugby savings. On 17 November 2027 it becomes an Easy Access account unless you give other instructions.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Hinckley & Rugby Building Society's Fixed Rate

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

Estimated interest

£1,000 saved

£47.86

At 4.41% AER

£5,000 saved

£239

At 4.41% AER

£10,000 saved

£479

At 4.41% AER

£500,000 saved

£23,931

At 4.41% AER

Estimated over the 13-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 Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

This Hinckley & Rugby Fixed Rate Bond pays 4.41% until 16 November 2027, which does beat August 2026 CPI of 3.1% by 1.31%, so your money at least grows in real terms. That said, the rate sits below the market average for fixed-rate bonds, and the best available across that category reaches 5.37%, leaving this 0.96% behind. The obvious catch is that no withdrawals or additions are permitted until maturity, so anyone who might need access before November 2027 should look elsewhere. If you want a shorter commitment, Atom Bank and DF Capital both offer 4.90% over one year.

Compare Fixed Rate Bonds

2 alternatives to Hinckley & Rugby Building Society's Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the Fixed Rate Bond

D

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