Cash ISACompare 2 Year Fixed Rate Cash ISAs

Vernon Building Society Fixed-Rate ISA until 31 Oct 2028 Review

A two-year cash ISA from Vernon Building Society, with a £5,000 minimum deposit. It ranks 43rd of 53 two-year cash ISAs we track.

Fixed rate · 2 years

4.20%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£250,000

Access

Not permitted

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 43rd of 53

2-year cash ISAs we track

Below average
This account 4.20%
UK CPI (Aug 2026)
3.10%
Pays 1.10% more
Average 2-year cash ISA
4.56%
Pays 0.36% less
Best 2-year cash ISA
5.08%
Pays 0.88% less

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

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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

£429

At 4.2% AER

£10,000 saved

£858

At 4.2% AER

£50,000 saved

£4,288

At 4.2% AER

£250,000 saved

£21,441

At 4.2% 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 Vernon Building Society Fixed-Rate ISA

Jonny PeaseCo-Founder, DepositScout

Vernon's Fixed-Rate ISA pays 4.20% until 31 October 2028, which beats CPI inflation of 3.1% by 1.10%, but it sits below the cash ISA market average and 1.05% behind the category leader at 5.25%. You need at least £5,000 to open it, and access is not permitted for the term, so this suits savers who can genuinely lock money away. I would still check NatWest's Fixed Rate ISA 2 Year at 4.25% before committing here.

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

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