Fixed Rate Bond (27 January 2027)

You should read this document carefully in conjunction with our Savings terms and conditions booklet to ensure you understand the features and conditions of what you are buying and keep it safe for future reference. Our savings accounts are only available to UK residents.

Account name

Fixed Rate Bond (27 January 2027)

What is the interest rate?

Interest rate band

Interest rate


Fixed at 4.30% Gross/AER until 27 January 2027.

  • Interest is calculated daily and will be added to the account on the following dates: 26 January 2025

26 January 2026

27 January 2027

Can Newbury Building Society change the interest rate?

  • No, the interest rate is fixed until 27 January 2027.

What would the estimated balance be on 27 January 2027 assuming £5,000 was invested on 31 January 2024?

Interest rate band

Estimated balance



  • This estimation is based upon an initial deposit of £5,000 being made on 31 January 2024 and interest added to the account on 26 January 2025, 26 January 2026 and 27 January 2027 (no further deposits can be made during the term of the account).

  • This estimation is for illustrative purposes only and does not reflect individual circumstances.

How do I open and manage my account?

  • Available to those aged 18 and over.

  • A customer can only hold one Bond (27 January 2027) either in single or joint names.

  • Personal customers only (not available to corporate bodies, organisations, clubs, trusts etc).

  • Account can be opened and operated in branch, by post or online.

  • If the account is opened online or by post, the account must be approved within 14 days. If the account is not approved within 14 days, we will close the account. The account is approved when we have received the application and the identification requirements have been satisfied.

  • Once the account is approved, the account can receive deposits up to the account limit within 7 days. If no deposits have been received within 7 days, we will close the account.

  • Account can be opened by cheque or transfer from another Newbury Building Society account, or a bank

    account in the account holders’ name.

  • Account holder/s must be resident in England or Wales.

  • The minimum opening balance is £5,000.

  • The maximum opening balance is £50,000.

  • Additional deposits are not allowed.

Can I withdraw money?

  • No withdrawals can be made during the fixed rate term.

  • The maturity date is the date that you will have access to your funds.

  • Prior to maturity on 27 January 2027, we will write to you to discuss your options. These options will be dependent upon our product range and your needs at the time.

  • If we are unable to contact you or you do not respond to us, the funds will be transferred to an instant access account matching our Instant premium account on the maturity date.

Additional information

Important notes

Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.



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Newbury Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number 206077). English Law applies and we will communicate with you in English. We are participants of the Financial Ombudsman Service. We have a complaints procedure which we will provide on request. Most complaints that we cannot resolve can be referred to the Financial Ombudsman Service. A038