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

The Suffolk Building Society 3 Year Fixed Rate Bond pays 4.40% AER, fixed for 3 years.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,379 at 4.40% 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 £500,000.

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.

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 4.40% AER it ranks 34th of 46 three-year fixed rate bonds we track. The best pays 5.18% and the average is 4.66%.

Dashboard

Fixed Rate

Suffolk Building Society 3 Year Fixed Rate Bond Review

A three-year fixed rate bond from Suffolk Building Society, with a £1,000 minimum deposit. It ranks 34th of 46 three-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.40%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£500,000

Access

At maturity only

Interest paid

Annually or Monthly

How It Stacks Up

Ranks 34th of 46

3-year fixed bonds we track

Below average

This account 4.40%

UK CPI (Aug 2026): 3.10%; Pays 1.30% more
Average 3-year fixed: 4.66%; Pays 0.26% less
Best 3-year fixed: 5.18%; Pays 0.78% less

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

Compare fixed bonds

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 £1,000 to open it

Good to Know

Also available to open and manage online.

Please verify all details with the provider – see our Disclaimer

See all Suffolk Building Society accounts

Estimated returns with Suffolk Building Society's Fixed Rate

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

Estimated interest

£1,000 saved

£138

At 4.4% AER

£5,000 saved

£689

At 4.4% AER

£10,000 saved

£1,379

At 4.4% AER

£500,000 saved

£68,947

At 4.4% 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 Suffolk Building Society 3 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Suffolk Building Society's 3 Year Fixed Rate Bond pays 4.40%, which at least beats CPI inflation of 3.1% by 1.30 percentage points, so your money does grow in real terms over the three-year term. That said, the rate sits below the market average for fixed-rate bonds, and the best rate in that category is 5.35%, leaving this 0.95% behind the leader. If you want a higher rate at the same term, Afin Bank's 3-Year Fixed Term Account offers 4.86%. The key catch here is the usual one for fixed bonds: no access at all until maturity, on balances between £1,000 and £500,000.

Compare Fixed Rate Bonds

2 alternatives to Suffolk Building Society's 3 Year Fixed Rate Bond3 alternatives to Suffolk 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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