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Personal savings accounts to suit your individual needs

We believe in keeping things simple and straightforward, which is why our savings accounts are easy to operate.

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Calculate How Much You Could Save In a Year

Available to new customers/ existing customers?

New and Existing Customers Existing Customers Only

Term (Description)

0-1 Years 2-3 Years 3+ Years No Restrictions

Starting Balance (How much you’ll open with):

£0 £100,000+

Monthly Savings (How much you’ll put in a month):

£0 £10,000+

The estimated interest is for illustrative purposes only and is intended to help you compare accounts. It doesn’t take account of individual circumstances. All interest rate information should be read in conjunction with the full product information and the general terms and conditions for savings accounts. The figures below are based on your initial deposit entered and monthly deposits entered over a 12‑month period, using current interest rates. This projection assumes that the initial deposit is made when the account is opened, that each monthly deposit is made on the first day of each calendar month, that no further money is paid in or withdrawn, and that the funds are held for the full interest period with no change to the interest rate. For products with tiered interest rates, the calculation shown is based solely on the highest interest rate available within the product. Please refer to the individual product terms and conditions for full details, including how tiered interest rates and withdrawals apply.

Instant Access Accounts

18-30 Regular Saver (Issue 1)

Interest Rate

6.00%

PA / AER | Variable

Minimum Deposit

£10

You must fund the account with a minimum balance of £10 within 30 days of account opening, otherwise your application may be cancelled. Maximum monthly deposit: £200.

Suitable For

Regular savings will help build a consistent monthly savings habit

Account Opening

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Fixed Rate Bonds

5 Year Fixed Rate Bond (Issue 1)

Interest Rate

4.60%

PA / AER | Fixed

Minimum Deposit

£1,000

Only one payment will be allowed into the account. This must be within 30 days of opening the account. This can be any amount between £1,000 and £1,000,000.

Suitable For

You want a certainty of return/guaranteed interest

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ISA Accounts

5 Year Fixed Rate Cash ISA (Issue 1)

Interest Rate

4.55%

Tax-free | PA / AER | Fixed

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

Customers looking to lock their money away on a fixed rate for 5 years

Account Opening

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Fixed Rate Bonds

2 Year Fixed Rate Bond (Issue 13)

Interest Rate

4.50%

PA / AER | Fixed

Minimum Deposit

£1,000

Only one payment will be allowed into the account. This must be within 30 days of opening the account. This can be any amount between £1,000 and £1,000,000.

Suitable For

You want a certainty of return/guaranteed interest

Account Opening

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ISA Accounts

2 Year Fixed Rate Cash ISA (Issue 7)

Interest Rate

4.45%

Tax-free | PA / AER | Fixed

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

Customers looking to lock their money away on a fixed rate for 2 years

Account Opening

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ISA Accounts

Hart 1 Year Fixed Rate Cash ISA (Issue 2)

Interest Rate

4.26%

Tax-free | PA / AER | Fixed

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

Local community available to those living at a residential address with an AL, HP, LU or WD postcode

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Fixed Rate Bonds

1 Year Fixed Rate Bond (Issue 9)

Interest Rate

4.26%

PA / AER | Fixed

Minimum Deposit

£1,000

Only one payment will be allowed into the account. This must be within 30 days of opening the account. This can be any amount between £1,000 and £1,000,000.

Suitable For

You want a certainty of return/guaranteed interest

Account Opening

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Online

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ISA Accounts

Online Single Access ISA (Issue 3)

Interest Rate

4.06% – 1.35%

Tax-free | PA / AER | Variable

Minimum Deposit

£1

Please note that you must fund the account with the minimum balance of £1 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You want to save your money and keep all the interest or returns tax‑free, without worrying about paying tax on what you earn

Account Opening

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Instant Access Accounts

Online Single Access (Issue 3)

Interest Rate

4.06% – 1.35%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You are planning to start saving with a small amount or prefer to make regular or ad-hoc deposits

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Notice Accounts

90 Days' Notice (Issue 3)

Interest Rate

4.04%

PA / AER | Variable

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You are comfortable giving notice before accessing your money

Account Opening

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ISA Accounts

90 Days' Notice ISA (Issue 1)

Interest Rate

4.04%

Tax-free | PA / AER | Variable

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You know when you will need your money and do not need instant access to it

Account Opening

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ISA Accounts

Hart ISA (Issue 1)

Interest Rate

3.86%

Tax-free | PA / AER | Variable

Minimum Deposit

£1

Please note that you must fund the account with the minimum balance of £1 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

Local community: available to those living at a residential address with an AL, HP, LU or WD postcode

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Instant Access Accounts

Hart Saver account (Issue 1)

Interest Rate

3.81%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

Local community – for people living at a residential address with an AL, HP, LU or WD postcode.

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Notice Accounts

Online 60 Days' Notice (Issue 3)

Interest Rate

3.55%

PA / AER | Variable

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You know when you will need your money and do not need instant access to it

Account Opening

Online

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Notice Accounts

Online 14 Days' Notice (Issue 1)

Interest Rate

3.54%

PA / AER | Variable

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You know when you will need your money and do not need instant access to it

Account Opening

Online

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ISA Accounts

Online 14 Days' Notice ISA (Issue 1)

Interest Rate

3.54%

Tax-free | PA / AER | Variable

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You are comfortable with variable rates: You accept possibility of interest rate fluctuating, as opposed to a fixed rate

Account Opening

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ISA Accounts

Online ISA (Issue 4)

Interest Rate

3.40%

Tax-free | PA / AER | Variable

Minimum Deposit

£1

Please note that you must fund the account with the minimum balance of £1 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You want to save or invest your money and keep all the interest or returns tax‑free, without worrying about paying tax on what you earn

Account Opening

Online

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Instant Access Accounts

Online Instant Access (Issue 3)

Interest Rate

3.40%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You want to be able to take your money out straight away or on the same day, with no charges

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Notice Accounts

45 Days' Notice (Issue 1)

Interest Rate

3.15%

PA / AER | Variable

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You know when you will need your money and do not need instant access to it

Account Opening

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Online

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ISA Accounts

45 Days' Notice ISA (Issue 1)

Interest Rate

3.15%

Tax-free | PA / AER | Variable

Minimum Deposit

£1,000

Please note that you must fund the account with the minimum balance of £1,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You know when you will need your money and do not need instant access to it

Account Opening

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Online

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Young Savers Accounts

Young Savers Instant Access (Issue 1)

Interest Rate

2.75%

PA / AER | Variable

Minimum Deposit

£1

Please note that you must fund the account with the minimum balance of £1 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You’re a child, young person or opening an account for a person aged 0–18

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Instant Access Accounts

Instant Access Account (Issue 2)

Interest Rate

1.40%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You have a need for immediate and unlimited access – you want to withdraw money instantly or on the same day

Account Opening

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ISA Accounts

Cash ISA (Issue 2)

Interest Rate

1.35%

Tax-free | PA / AER | Variable

Minimum Deposit

£1

Please note that you must fund the account with the minimum balance of £1 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You’re looking for a simple, tax‑free Cash ISA to help you save in a straightforward and secure way

Account Opening

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Online

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Disclaimer: For ISA products – the “Tax-free PA” is the annual rate of interest. Cash ISAs are not subject to the deduction of tax on savings income under current legislation. The annual equivalent rate (AER) is a notional rate which illustrates what the gross interest rate would be if the interest was paid and added to the account annually. For non-ISA products – the gross rate (PA) is the rate before deducting tax at the rate applicable to savings income. The annual equivalent rate (AER) is a notional rate which illustrates what the gross interest rate would be if the interest was paid and added to the account annually. Your tax treatment will depend on your individual circumstances and may be subject to change in the future. The rate of interest payable on variable rate accounts may be subject to change in the future.

For our members

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For Savers

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Compare our personal savings products

For Members

Why Harpenden?

Protection from Common Fraud

Community News

Our Story

Read Mutual magazine

Helpful staff made for a pleasant experience. The account I wanted, which had one of the best interest rates I could find, was easily set up when I called into Harpenden branch. Tabitha was most helpful and it was a relaxed experience in pleasant surroundings.

John G

February 2026

Exceptional telephone Staff. I would like to express how extremely helpful the staff members were on the telephone when dealing with Cash ISA questions, namely Jane, Laura and Catherine. They were all very knowledgeable with an excellent manner, and a credit to Harpenden Building Society which I highly recommend.

Jacqueline

February 2026

Industry

JUL 31, 2026

Fixed Rate product update

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.

Community

JUL 27, 2026

Member Notice – Harpenden Online and Broker Online scheduled maintenance

Harpenden wins ‘Best Local Building Society’ at the 2026 What Mortgage Awards

Harpenden Building Society wins ‘Best Local Building Society’ for the 12th year in a row, as well as being marked ‘Highly Commended’ in the ‘Best Specialist Lender’ and ‘Best Large…

Industry

JUN 09, 2026

Harpenden launch Expat mortgages

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.

Community

MAY 20, 2026

Jon’s Savings Blog – ISA Changes in 2027

There’s a famous saying: “The best time to plant a tree was 20 years ago. The second‑best time is now.” Well, when it comes to ISAs… the tree is about…

Industry

APR 22, 2026

Member Notice – Staff training 23rd April

A Q&A with our CEO Tracie

Here’s a quick Q&A from our CEO Tracie Meadows diving into our new rebrand.

Industry

JAN 22, 2026

We celebrate our new branch opening in Harpenden

We are thrilled to announce the launch of our brand-new branch, located right on the High Street, in one of the busiest areas of Harpenden. The doors opened on the…

Personal savings accounts to suit your individual needs

Compare Accounts

Calculate How Much You Could Save In a Year

18-30 Regular Saver (Issue 1)

5 Year Fixed Rate Bond (Issue 1)

5 Year Fixed Rate Cash ISA (Issue 1)

2 Year Fixed Rate Bond (Issue 13)

2 Year Fixed Rate Cash ISA (Issue 7)

Hart 1 Year Fixed Rate Cash ISA (Issue 2)

1 Year Fixed Rate Bond (Issue 9)

Online Single Access ISA (Issue 3)

Online Single Access (Issue 3)

90 Days' Notice (Issue 3)

90 Days' Notice ISA (Issue 1)

Hart ISA (Issue 1)

Hart Saver account (Issue 1)

Online 60 Days' Notice (Issue 3)

Online 14 Days' Notice (Issue 1)

Online 14 Days' Notice ISA (Issue 1)

Online ISA (Issue 4)

Online Instant Access (Issue 3)

45 Days' Notice (Issue 1)

45 Days' Notice ISA (Issue 1)

Young Savers Instant Access (Issue 1)

Instant Access Account (Issue 2)

Cash ISA (Issue 2)

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How can we help you today?

For Savers

For Members

Latest News

Fixed Rate product update

Member Notice – Harpenden Online and Broker Online scheduled maintenance

Harpenden wins ‘Best Local Building Society’ at the 2026 What Mortgage Awards

Harpenden launch Expat mortgages

Jon’s Savings Blog – ISA Changes in 2027

Member Notice – Staff training 23rd April

A Q&A with our CEO Tracie

We celebrate our new branch opening in Harpenden