Cash ISA

Hinckley & Rugby Building Society Fixed Rate Cash ISA Review

One of the best-paying two-year cash ISAs, from Hinckley & Rugby Building Society. It ranks 11th of 51 two-year cash ISAs we track.

Fixed rate · 27 months

4.89%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£20,000

Access

Until 31.01.2029

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 11th of 51

2-year cash ISAs we track

Among the best
This account 4.89%
UK CPI (Aug 2026)
3.10%
Pays 1.79% more
Average 2-year cash ISA
4.54%
Pays 0.35% more
Best 2-year cash ISA
5.08%
Pays 0.19% 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 (31 Jan 2029) 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

£113

At 4.89% AER

£5,000 saved

£567

At 4.89% AER

£10,000 saved

£1,134

At 4.89% AER

£20,000 saved

£2,268

At 4.89% AER

Estimated over the 27-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

Jonny PeaseCo-Founder, DepositScout

Hinckley & Rugby Building Society's Fixed Rate Cash ISA pays 4.89%, which sits above the cash ISA market average though 0.36% behind the category leader at 5.25%. At 1.79% above August 2026 CPI of 3.1%, it does at least offer a real return. The account suits savers who want a straightforward ISA with transfer-in flexibility and can lock away up to £20,000 until 31 January 2029, but the genuine catch is that early withdrawals or transfers out cost 180 days' interest on the amount moved.

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

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