Cash ISA

Hinckley & Rugby Building Society Fixed Rate Cash ISA Review

A one-year cash ISA from Hinckley & Rugby Building Society. It ranks 35th of 58 one-year cash ISAs we track.

Fixed rate · 13 months

4.41%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£20,000

Access

Until 16.11.2027

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 35th of 58

1-year cash ISAs we track

Just below average
This account 4.41%
UK CPI (Aug 2026)
3.10%
Pays 1.31% more
Average 1-year cash ISA
4.43%
About the same
Best 1-year cash ISA
4.97%
Pays 0.56% less

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

Compare cash ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

UK residents (permanent and tax resident) aged 18+, sole name only. Only one Hinckley & Rugby Cash ISA can be subscribed to per tax year. Lump sum: no additions after opening (opening deposit within 5 business days; ISA transfers within 21 days). At maturity (16 Nov 2027) it becomes an Easy Access Cash ISA unless you give other instructions.

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 Cash ISA

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

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

£20,000 saved

£957

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.

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

Jan WatermannCo-Founder, DepositScout

This account suits savers who want a straightforward fixed Cash ISA and are happy locking money away until 16 November 2027, but at 4.41% it sits below the market average and is 0.84% behind the best Cash ISA rate of 5.25%. It does beat August 2026 CPI of 3.1% by 1.31%, so at least your money grows in real terms. The early exit penalty of 180 days' interest on any amount withdrawn is a meaningful catch, and the maximum is capped at £20,000.

Compare Cash ISAs

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

Same type of account, closest on rate.

Common questions about the Fixed Rate Cash ISA

D

DepositScout Alerts

Example alert

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Example Easy Access Saver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Hinckley & Rugby Building Society rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time