Cash ISA

Vernon Building Society Fixed-Rate ISA Review

A three-year cash ISA from Vernon Building Society, with a £5,000 minimum deposit. It ranks 19th of 28 three-year cash ISAs we track.

Fixed rate · 3 years

4.40%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 19th of 28

3-year cash ISAs we track

Below average
This account 4.40%
UK CPI (Aug 2026)
3.10%
Pays 1.30% more
Average 3-year cash ISA
4.61%
Pays 0.21% less
Best 3-year cash ISA
5.11%
Pays 0.71% 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

Please verify all details with the provider – see our Disclaimer

See all Vernon Building Society accounts

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

£689

At 4.4% AER

£10,000 saved

£1,379

At 4.4% AER

£50,000 saved

£6,895

At 4.4% AER

Estimated over the 36-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 4.40% until 31 October 2029, which does beat inflation by 1.30% against a CPI of 3.1%, but it sits below the cash ISA market average and 0.72% behind the category leader at 5.12%. The minimum deposit of £5,000 means it is aimed at savers who already have a reasonable ISA pot to lock away, and the real catch is that access is not permitted for the duration, so this suits only those certain they will not need the money before late 2029. If flexibility matters, the Hargreaves Lansdown HL Cash ISA is in the alternatives at 4.52%.

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

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Vernon Building Society rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time