What interest rate does the Monmouthshire Building Society 3 Year Fixed Rate Bond pay?

The Monmouthshire Building Society 3 Year Fixed Rate Bond pays 4.45% AER, fixed for 3 years.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,395 at 4.45% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £1,000 and up to £2,000,000.

Can I withdraw my money?

No. Your money is locked in until the fixed term ends, so only put in what you won't need before then.

When is interest paid?

You can choose to have interest paid annually or at the end of the term.

Who can open this account?

New and existing Monmouthshire Building Society customers can open it. You can open it in branch or in the app.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other three-year fixed rate bonds?

At 4.45% AER it ranks 41st of 51 three-year fixed rate bonds we track. The best pays 5.23% and the average is 4.76%.

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Fixed Rate Compare 3 Year Fixed Rate Bonds

Monmouthshire Building Society 3 Year Fixed Rate Bond Review

A three-year fixed rate bond from Monmouthshire Building Society, with a £1,000 minimum deposit. It ranks 41st of 51 three-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.45%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£2,000,000

Access

At maturity only

Interest paid

Annually/On maturity

How It Stacks Up

Ranks 41st of 51

3-year fixed bonds we track

Below average

This account 4.45%

UK CPI (Aug 2026): 3.10%; Pays 1.35% more
Average 3-year fixed: 4.76%; Pays 0.31% less
Best 3-year fixed: 5.23%; Pays 0.78% less

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

Compare fixed bonds

A Good Fit For

Pro: New and existing savers

Worth Weighing Up

Con: Your money is locked in for 3 years
Con: You need at least £1,000 to open it

Good to Know

You can pay money into your account within the first 30 days of opening, up to the maximum balance.

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Estimated returns with Monmouthshire Building Society's Fixed Rate

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

Estimated interest

£1,000 saved

£140

At 4.45% AER

£5,000 saved

£698

At 4.45% AER

£10,000 saved

£1,395

At 4.45% AER

£2,000,000 saved

£279,058

At 4.45% 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 Monmouthshire Building Society 3 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Monmouthshire Building Society's 3 Year Fixed Rate Bond pays 4.45%, which does beat August 2026 CPI of 3.1% by 1.35%, so your money grows in real terms, but the rate sits below the market average for fixed-rate accounts and is 0.92% behind the category leader at 5.37%. This account suits savers who prefer a mutual and are comfortable locking away between £1,000 and £2,000,000 with no access until maturity. If rate is your priority, Buckinghamshire Building Society's Bucks Fixed Rate Bond at 4.83% or Sensible Savings at 4.75% are worth a look first.

Compare Fixed Rate Bonds