Cash ISACompare 2 Year Fixed Rate Cash ISAs

Tipton & Coseley Building Society Fixed Rate ISA until 31.10.2028 Review

A competitive two-year cash ISA from Tipton & Coseley Building Society, with a £1,000 minimum deposit. It ranks 13th of 53 two-year cash ISAs we track.

Fixed rate · 2 years

4.85%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 13th of 53

2-year cash ISAs we track

Above average
This account 4.85%
UK CPI (Aug 2026)
3.10%
Pays 1.75% more
Average 2-year cash ISA
4.56%
Pays 0.29% more
Best 2-year cash ISA
5.08%
Pays 0.23% 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 2 years
  • 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 31.10.2028.

Estimated interest

£1,000 saved

£99.35

At 4.85% AER

£5,000 saved

£497

At 4.85% AER

£10,000 saved

£994

At 4.85% AER

£250,000 saved

£24,838

At 4.85% AER

Estimated over the 24-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 Tipton & Coseley Building Society Fixed Rate ISA until 31.10.2028

Jan WatermannCo-Founder, DepositScout

This account suits ISA savers who want a fixed return and are comfortable locking money away until 31 October 2028. At 4.85%, it sits above the cash ISA market average and beats August 2026 CPI of 3.1% by 1.75%, though it trails the category leader by 0.40%, who pays 5.25%. The real catch is the no-access rule: your money is completely locked until maturity, so only commit funds you genuinely will not need. If you want a shorter commitment, Buckinghamshire Building Society's Cash ISA Fixed Rate offers 4.87% and may suit better.

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2 alternatives to Tipton & Coseley Building Society's Fixed Rate ISA until 31.10.2028

Same type of account, closest on rate.

Common questions about the Fixed Rate ISA until 31.10.2028

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