Fixed RateCompare 3 Year Fixed Rate Bonds

Marsden Building Society 3 Year Fixed Rate Bond Review

A three-year fixed rate bond from Marsden Building Society, with a £5,000 minimum deposit. It ranks 46th of 49 three-year fixed rate bonds we track.

Fixed rate · 3 years

4.10%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£250,000

Access

At maturity only

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 46th of 49

3-year fixed bonds we track

Well below average
This account 4.10%
UK CPI (Aug 2026)
3.10%
Pays 1.00% more
Average 3-year fixed
4.72%
Pays 0.62% less
Best 3-year fixed
5.23%
Pays 1.13% less

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

Compare fixed bonds

How Interest Is Paid

You choose how often interest is paid: annually or monthly.

Paid annually

4.10%AER

Paid monthly

4.09%AER

A Good Fit For

  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: Your money is locked in for 3 years
  • Con: You need at least £5,000 to open it

Good to Know

Matures 31 July 2029. Opened and operated in branch.

Please verify all details with the provider – see our Disclaimer

See all Marsden Building Society accounts

Estimated returns with Marsden Building Society's Fixed Rate

What you could earn with Marsden Building Society's 3 Year Fixed Rate Bond.

Estimated interest

£5,000 saved

£641

At 4.1% AER

£10,000 saved

£1,281

At 4.1% AER

£50,000 saved

£6,406

At 4.1% AER

£250,000 saved

£32,028

At 4.1% 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.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Marsden Building Society 3 Year Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

Marsden's 3 Year Fixed Rate Bond pays 4.10% AER (or 4.09% if you take interest monthly), which does beat August 2026 CPI of 3.1% by 1.00%, so your money grows in real terms. That said, the rate sits below the market average for fixed-rate bonds, and 1.27% behind the category leader at 5.37%. You need at least £5,000 to open it, and the real catch is that there is no access until maturity, so three years is a genuine commitment. Buckinghamshire Building Society's Bucks Fixed Rate Bond at 4.83% is worth a look first.

Compare Fixed Rate Bonds

2 alternatives to Marsden Building Society's 3 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Bond

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