Fixed Rate

Market Harborough BS Fixed Term Bond Review

A three-year fixed rate bond from Market Harborough BS, running for 35 months, with a £5,000 minimum deposit. It ranks 33rd of 49 three-year fixed rate bonds we track.

Fixed rate · 35 months

4.55%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

No limit

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 33rd of 49

3-year fixed bonds we track

Below average
This account 4.55%
UK CPI (Aug 2026)
3.10%
Pays 1.45% more
Average 3-year fixed
4.71%
Pays 0.16% less
Best 3-year fixed
5.20%
Pays 0.65% less

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

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A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 35 months
  • Con: You need at least £5,000 to open it

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Estimated returns with Market Harborough BS' Fixed Rate

What you could earn with Market Harborough BS's Fixed Term Bond.

Estimated interest

£5,000 saved

£693

At 4.55% AER

£10,000 saved

£1,386

At 4.55% AER

£50,000 saved

£6,929

At 4.55% AER

Estimated over the 35-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 Market Harborough BS Fixed Term Bond

Jonny PeaseCo-Founder, DepositScout

Market Harborough BS is paying 4.55% on this bond, which matures 30 September 2029, so your money is locked away until then with no access at all. That rate sits below the market average for fixed-rate bonds and is 0.82% behind the current market leader at 5.37%, which is a meaningful gap over a multi-year term. It does beat August 2026 CPI of 3.1% by 1.45%, so you are at least growing in real terms. You need at least £5,000 to open it, and I would check alternatives like Kent Reliance's 3 Year Fixed Rate Bond at 4.96% before committing.

Compare Fixed Rate Bonds

2 alternatives to Market Harborough BS's Fixed Term Bond

Same type of account, closest on rate.

Common questions about the Fixed Term Bond

D

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