Cash ISACompare 3 Year Fixed Rate Cash ISAs

Hodge Bank 3 Year Fixed Rate Cash ISA Review

A competitive three-year cash ISA from Hodge Bank, with a £1,000 minimum deposit. It ranks 16th of 33 three-year cash ISAs we track.

Fixed rate · 3 years

4.81%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£20,000

Access

Full closure only, Penalty applies

Interest paid

Annually or Monthly

Transfers in

Not accepted

How It Stacks Up

Ranks 16th of 33

3-year cash ISAs we track

Above average
This account 4.81%
UK CPI (Aug 2026)
3.10%
Pays 1.71% more
Average 3-year cash ISA
4.68%
Pays 0.13% more
Best 3-year cash ISA
5.13%
Pays 0.32% less

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

Compare cash ISAs

A Good Fit For

  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: You need at least £1,000 to open it
  • Con: It doesn't accept transfers in from other ISAs

Good to Know

No ISA transfers in accepted

Please verify all details with the provider – see our Disclaimer

See all Hodge Bank accounts

Estimated returns with Hodge Bank's Cash ISA

What you could earn with Hodge Bank's 3 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£151

At 4.81% AER

£5,000 saved

£757

At 4.81% AER

£10,000 saved

£1,514

At 4.81% AER

£20,000 saved

£3,027

At 4.81% AER

Estimated over the 36-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 Hodge Bank 3 Year Fixed Rate Cash ISA

Jonny PeaseCo-Founder, DepositScout

Hodge Bank's 3 Year Fixed Rate Cash ISA pays 4.81%, which is above the cash ISA market average but still 0.44% behind the category leader at 5.25%. At 1.71% above August 2026 CPI of 3.1%, it does at least beat inflation meaningfully. The £1,000 minimum and £20,000 cap suit mid-range ISA savers, but no transfers in are accepted, which rules out anyone wanting to consolidate existing ISA money. If you want a marginally better three-year fix, Hampshire Trust Bank offers 4.83%.

Compare Cash ISAs

2 alternatives to Hodge Bank's 3 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 3 Year 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 Hodge Bank 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