Cash ISACompare 5 Year Fixed Rate Cash ISAs

Tipton & Coseley Building Society Fixed Rate ISA until 31.10.2031 Review

A competitive five-year cash ISA from Tipton & Coseley Building Society, with a £1,000 minimum deposit. It ranks 16th of 32 five-year cash ISAs we track.

Fixed rate · 5 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 16th of 32

5-year cash ISAs we track

Above average
This account 4.85%
UK CPI (Aug 2026)
3.10%
Pays 1.75% more
Average 5-year cash ISA
4.72%
Pays 0.13% more
Best 5-year cash ISA
5.25%
Pays 0.40% 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 5 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 31.10.2031.

Estimated interest

£1,000 saved

£267

At 4.85% AER

£5,000 saved

£1,336

At 4.85% AER

£10,000 saved

£2,672

At 4.85% AER

£250,000 saved

£66,798

At 4.85% AER

Estimated over the 60-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 31.10.2031

Jonny PeaseCo-Founder, DepositScout

Tipton & Coseley's Fixed Rate ISA at 4.85% sits above the Cash ISA market average and beats August 2026 CPI of 3.1% by 1.75%, so savers locking in here are at least preserving real value. It accepts transfers in and suits anyone wanting a straightforward ISA home until 31 October 2031. The obvious catch is zero access until maturity, so only commit money you genuinely will not need. If you want a touch more, Hampshire Trust Bank's 5 Year Online ISA Fixed Saver pays 4.95%.

Compare Cash ISAs

2 alternatives to Tipton & Coseley Building Society's Fixed Rate ISA until 31.10.2031

Same type of account, closest on rate.

Common questions about the Fixed Rate ISA until 31.10.2031

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