Hart 1 Year Fixed Rate ISA (Issue 1)
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An ISA is an individual savings account. The main difference between this and other forms of savings accounts is that the interest you earn with an ISA is tax-free, whereas you may have to pay tax on other savings accounts.
Only available to those living at a residential address with an AL, HP, LU or WD postcode.
Payments into your ISA for the 2025/26 Tax Year - Payments received after 4pm on Thursday 2nd April 2026 will be processed on Tuesday 7th April 2026 and will count towards the new ISA allowance.
Summary Box
| Account name | Hart 1 Year Fixed Rate ISA (Issue 1) |
|---|---|
| What is the interest rate? |
4.12% Tax-free PA/AER* fixed. Interest is calculated daily and paid once a year on the anniversary of the date your first deposit is made into the account. |
| Can Harpenden Building Society change the interest rate? | The interest rate for this account is fixed, which means it won’t change during the 1 year account term. |
| What would the estimated balance be after 12 months based on a £1,000 deposit? |
The estimated balance after 12 months based on an initial deposit of £1,000 would be £1,041.20. This projection is provided as an example only and doesn’t take into account your individual circumstances. We have worked this out assuming a £1,000 deposit is made on account opening and no further deposits or withdrawals are made throughout the year. |
| How do I open and manage my account? |
This account is available to new and existing customers. You must be at least 18 years old, a UK resident, hold a valid National Insurance number and live at a residential address with an AL, HP, LU or WD postcode upon application to open a Hart 1 Year Fixed Rate ISA (Issue 1) account. You may only hold one account of this type with Harpenden Building Society. No joint accounts are accepted (as per ISA rules). This account can only be opened in branch or by post. The account can be viewed but not opened through Harpenden Online. Minimum balance: £1,000 Maximum balance: £250,000 Maximum yearly deposit limit: Current HMRC tax year allowance. If you have an existing cash ISA with the Society, this can be transferred without affecting your annual ISA allowance. We accept full and partial ISA transfers from both previous and current tax years into this account. Once your annual ISA allowance has been reached no further deposits will be allowed, regardless of how much is withdrawn. Any increases in ISA subscription limits will be applied in each applicable tax year. 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. Please follow the guidance in our ‘Identification Requirements’ document available in branch and online. You can manage this account in our branches, by post or online (subject to the terms and conditions of Harpenden Online). By Branch or Post: Deposits can be made by cash (up to £3,000 per day) and cheque or by bank transfer. By Online: Deposits can be made by bank transfer only. No further deposits after initial payment, except for an ISA transfer in. Instructions for ISA transfer must be received within 30 days of account application. If you currently have an existing Harpenden Building Society account it may be possible to transfer your funds, subject to your existing product terms and conditions and the product terms and conditions of this account. Please check with us to see whether this is possible. |
| Can I withdraw money? |
Withdrawals are not permitted during the product term. Closure requests before product maturity are subject to a 90 day loss of interest. On maturity, if a new ISA bond is available, we’ll offer you the new ISA bond when this one matures. We’ll send you in advance the details of the new ISA bond, including its interest rate, and the terms and conditions. The details will also include the term which will always be either the same or shorter than your existing ISA bond. The interest payment frequency will be the same as your existing ISA bond. If no ISA bond is available, we’ll offer you an Instant Access ISA savings account. This type of account lets you access your money whenever you wish. We’ll send you in advance the details of the account, including the interest rate and terms and conditions. If you want to accept the offer we make to you, you don’t need to do anything. We will open the new ISA bond, and transfer the money, plus interest into it on the first working day after your existing ISA bond matures. If you don’t want to accept our offer, please let us know before your ISA bond matures and we’ll send the money to you on maturity. You can let us know by signing and returning the instruction form we send to you with your maturity letter, by contacting us by secure message through Harpenden Online or by calling us directly. |
| Additional information |
This account is tax free. Any tax treatment and/or reliefs referred to are those applying under current legislation, which may change, and their availability will depend on your individual circumstances. The favourable tax treatment of Cash ISAs may not be maintained. The Society reserves the right to withdraw this product without notice at any time. |
* 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.
The information contained in this table forms part of the terms and conditions of the account and should be read in conjunction with our Cash ISA Terms and Conditions.
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