Fixed Rate

Skipton Building Society 3 Year Fixed Rate Bond Review

A competitive three-year fixed rate bond from Skipton Building Society. It ranks 13th of 46 three-year fixed rate bonds we track.

Fixed rate · 3 years

4.92%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

No limit

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 13th of 46

3-year fixed bonds we track

Above average
This account 4.92%
UK CPI (Aug 2026)
3.10%
Pays 1.82% more
Average 3-year fixed
4.66%
Pays 0.26% more
Best 3-year fixed
5.18%
Pays 0.26% less

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

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Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 3 years

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Estimated returns with Skipton Building Society's Fixed Rate

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

Estimated interest

£1,000 saved

£155

At 4.92% AER

£5,000 saved

£775

At 4.92% AER

£10,000 saved

£1,550

At 4.92% AER

£50,000 saved

£7,749

At 4.92% 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 Skipton Building Society 3 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Skipton's 3 Year Fixed Rate Bond pays 4.92%, which sits near the market average and 0.43% behind the best fixed rate available at 5.35%, so it is not the sharpest option out there. That said, 4.92% does beat August 2026 CPI inflation of 3.1% by 1.82 percentage points, meaning your money grows in real terms over the three years. The main catch is that access is locked until maturity, so this suits savers who are confident they will not need the funds. If you want a slightly better three-year rate, Kent Reliance's 3 Year Fixed Rate Bond is currently at 4.96%.

Compare Fixed Rate Bonds

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

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Bond

D

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