Cash ISACompare 1 Year Fixed Rate Cash ISAs

Tipton & Coseley Building Society Fixed Rate ISA until 31.10.2027 Review

A one-year cash ISA from Tipton & Coseley Building Society, with a £1,000 minimum deposit. It ranks 35th of 60 one-year cash ISAs we track.

Fixed rate · 1 year

4.45%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£250,000

Access

At maturity only

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 35th of 60

1-year cash ISAs we track

Just above average
This account 4.45%
UK CPI (Aug 2026)
3.10%
Pays 1.35% more
Average 1-year cash ISA
4.43%
About the same
Best 1-year cash ISA
4.97%
Pays 0.52% less

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

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A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

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

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Estimated returns with Tipton & Coseley Building Society's Cash ISA

What you could earn with Tipton & Coseley Building Society's Fixed Rate ISA until 31.10.2027.

Estimated interest

£1,000 saved

£44.50

At 4.45% AER

£5,000 saved

£222

At 4.45% AER

£10,000 saved

£445

At 4.45% AER

£250,000 saved

£11,125

At 4.45% AER

Estimated over one year, 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 Tipton & Coseley Building Society Fixed Rate ISA until 31.10.2027

Jonny PeaseCo-Founder, DepositScout

This fixed rate ISA from Tipton & Coseley suits savers who want to lock away ISA money until 31 October 2027 and earn a real return, as the 4.45% rate sits 1.35% above CPI inflation of 3.1%. That said, it is near the market average for cash ISAs, sitting 0.80% behind the category leader at 5.25%, so it is not the sharpest rate available. The hard catch is that there is no access until maturity, so any money you put in between £1,000 and £250,000 is fully locked away. If you want something slightly higher, Tembo has a Fixed Rate Cash ISA at 4.55%.

Compare Cash ISAs

2 alternatives to Tipton & Coseley Building Society's Fixed Rate ISA until 31.10.2027

Same type of account, closest on rate.

Common questions about the Fixed Rate ISA until 31.10.2027

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