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

The Suffolk Building Society 3 Year Fixed Rate ISA pays 4.40% AER fixed.

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. Withdrawals aren't allowed until the account matures.

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.

Can I transfer an existing ISA in?

Yes, transfers in from other ISAs are accepted.

How does it compare with other three-year cash ISAs?

At 4.40% AER it ranks 19th of 28 three-year cash ISAs we track. The best pays 5.11% and the average is 4.61%.

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Cash ISA

Suffolk Building Society 3 Year Fixed Rate ISA Review

A three-year cash ISA from Suffolk Building Society, with a £1,000 minimum deposit. It ranks 19th of 28 three-year cash ISAs 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

Transfers in

Accepted

How It Stacks Up

Ranks 19th of 28

3-year cash ISAs we track

Below average

This account 4.40%

UK CPI (Aug 2026): 3.10%; Pays 1.30% more
Average 3-year cash ISA: 4.61%; Pays 0.21% less
Best 3-year cash ISA: 5.11%; Pays 0.71% less

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

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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.

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Estimated returns with Suffolk Building Society's Cash ISA

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

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.

Our Expert Opinion on Suffolk Building Society 3 Year Fixed Rate ISA

Jan WatermannCo-Founder, DepositScout

Suffolk Building Society's 3 Year Fixed Rate ISA pays 4.40%, which beats CPI inflation by 1.30% (Aug 2026 figure of 3.1%), but it sits below the cash ISA market average and 0.72% behind the category leader at 5.12%. The £1,000 minimum is accessible enough, and ISA transfers in are accepted, which is useful if you want to consolidate existing savings. The real catch is that there is no access until maturity, so this suits savers who are genuinely certain they will not need the money for three years.

Compare Cash ISAs