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

The Principality Building Society 3 Year Fixed Rate Bond pays 4.70% AER, fixed for 3 years.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,477 at 4.70% 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 £500 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?

Interest is paid annually or monthly.

Who can open this account?

New and existing Principality Building Society customers can open it. You can open it online, in branch or by post.

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 4.70% AER it ranks 28th of 49 three-year fixed rate bonds we track. The best pays 5.23% and the average is 4.72%.

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Principality Building Society 3 Year Fixed Rate Bond Review

A three-year fixed rate bond from Principality Building Society. It ranks 28th of 49 three-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.70%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£2,000,000

Access

At maturity only

Interest paid

Annually or Monthly

How It Stacks Up

Ranks 28th of 49

3-year fixed bonds we track

Just below average

This account 4.70%

UK CPI (Aug 2026): 3.10%; Pays 1.60% more
Average 3-year fixed: 4.72%; About the same
Best 3-year fixed: 5.23%; Pays 0.53% less

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

Compare fixed bonds

A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 3 years

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Estimated returns with Principality Building Society's Fixed Rate

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

Estimated interest

£1,000 saved

£148

At 4.7% AER

£5,000 saved

£739

At 4.7% AER

£10,000 saved

£1,477

At 4.7% AER

£2,000,000 saved

£295,462

At 4.7% 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 Principality Building Society 3 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Principality's 3 Year Fixed Rate Bond pays 4.70%, which does beat August 2026 CPI of 3.1% by 1.60%, so your money grows in real terms, but the rate sits below the market average for fixed-rate accounts and is 0.67% behind the category leader at 5.37%. The real catch is the complete lack of access until maturity, so this suits someone who is certain they won't need the money for three years and has a minimum of £500 to lock away. If you want a similar term with a slightly better rate, Buckinghamshire Building Society's Bucks Fixed Rate Bond is listed at 4.83%.

Compare Fixed Rate Bonds