Cash ISA

Vernon Building Society Fixed-Rate ISA Review

A one-year cash ISA from Vernon Building Society, with a £5,000 minimum deposit. It ranks 36th of 47 one-year cash ISAs we track.

Fixed rate · 11 months

4.10%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

No limit

Access

Not permitted

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 36th of 47

1-year cash ISAs we track

Below average
This account 4.10%
UK CPI (Aug 2026)
3.10%
Pays 1.00% more
Average 1-year cash ISA
4.37%
Pays 0.27% less
Best 1-year cash ISA
4.92%
Pays 0.82% less

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

Compare cash ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: You need at least £5,000 to open it

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Estimated returns with Vernon Building Society's Cash ISA

What you could earn with Vernon Building Society's Fixed-Rate ISA.

Estimated interest

£5,000 saved

£188

At 4.1% AER

£10,000 saved

£375

At 4.1% AER

£50,000 saved

£1,876

At 4.1% AER

Estimated over the 11-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 Vernon Building Society Fixed-Rate ISA

Jan WatermannCo-Founder, DepositScout

Vernon Building Society's Fixed-Rate ISA pays 4.10% until 30 September 2027, which beats August 2026 CPI of 3.1% by 1.00%, so your money does grow in real terms. That said, the rate sits below the cash ISA market average and is 1.02% behind the category leader at 5.12%, so this is not a standout pick on rate alone. The £5,000 minimum is worth noting, and access is not permitted for the term, so only commit money you will not need. If flexibility matters, Cynergy Bank's Online ISA offers 4.15% with no fixed lock-in.

Compare Cash ISAs

2 alternatives to Vernon Building Society's Fixed-Rate ISA

Same type of account, closest on rate.

Common questions about the Fixed-Rate ISA

D

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