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Monmouthshire Building Society - Celebration Regular Saver Bond (Issue 14)
Notice Required

Paid Interest

maturity

Gross Rate

3%

Minimum Deposit

£20

Maximum Deposit

£3,600

Secure Trust Bank - 7 Year Fixed Rate Bond (15.Jul.2026)
Notice Required

Paid Interest

annually

Gross Rate

2.65%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

Secure Trust Bank - 7 Year Fixed Rate Bond (15.Jul.2026) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2.65%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

Secure Trust Bank - 5 Year Fixed Rate Bond (15.Jul.2024)
Notice Required

Paid Interest

annually

Gross Rate

2.6%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

United Trust Bank Ltd - 5 Year Personal Deposit Bond
Notice Required

Paid Interest

annually

Gross Rate

2.6%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Secure Trust Bank - 5 Year Fixed Rate Bond (15.Jul.2024) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2.6%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

Secure Trust Bank - 4 Year Fixed Rate Bond (14.Jul.2023)
Notice Required

Paid Interest

annually

Gross Rate

2.5%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

Chorley & District Building Society - Loyalty Santa Saver Iss 1 Fixed to 31/10/2019 Ex/C
Notice Required

Paid Interest

maturity

Gross Rate

2.5%

Minimum Deposit

£1

Maximum Deposit

£4,200

Secure Trust Bank - 4 Year Fixed Rate Bond (14.Jul.2023) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2.5%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

Shawbrook Bank - 7 Year Fixed Rate Bond - Issue 3
Notice Required

Paid Interest

annually

Gross Rate

2.4%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

United Trust Bank Ltd - 3 Year Personal Deposit Bond
Notice Required

Paid Interest

annually

Gross Rate

2.4%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Shawbrook Bank - 7 Year Fixed Rate Bond - Issue 3 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2.4%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Shawbrook Bank - 5 Year Fixed Rate Bond - Issue 29 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2.35%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Chorley & District Building Society - Santa Saver Issue 2 (Fixed Term to 31/10/2019)
Notice Required

Paid Interest

maturity

Gross Rate

2.25%

Minimum Deposit

£1

Maximum Deposit

£3,000

Market Harborough Building Society - Three Year Fixed Term Members Bond Issue 75 Ex/C
Notice Required

Paid Interest

annually

Gross Rate

2.15%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Marsden - Fixed Rate Bond (Issue 169)
Notice Required

Paid Interest

annually

Gross Rate

2.1%

Minimum Deposit

£5,000

Maximum Deposit

£250,000

Marsden - Fixed Rate Bond (Issue 169) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2.1%

Minimum Deposit

£5,000

Maximum Deposit

£250,000

Shawbrook Bank - 3 Year Fixed Rate Bond - Issue 44
Notice Required

Paid Interest

annually

Gross Rate

2%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

United Trust Bank Ltd - 1 Year Personal Deposit Bond
Notice Required

Paid Interest

annually

Gross Rate

2%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Dudley Building Society - Loyalty Regular Saver Ex/C
Notice Required

Paid Interest

maturity

Gross Rate

2%

Minimum Deposit

£100

Maximum Deposit

£7,200

Monmouthshire Building Society - 5 Year Fixed Rate Bond - Issue 3
Notice Required

Paid Interest

annually

Gross Rate

2%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Melton Mowbray - Fixed Rate Savings to 24 June 2024
Notice Required

Paid Interest

monthly

Gross Rate

2.02%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Skipton Building Society - 5 Year e-Bond Issue 90
Notice Required

Paid Interest

annually

Gross Rate

2%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year Fixed Rate Bond Issue 90
Notice Required

Paid Interest

annually

Gross Rate

2%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Tipton & Coseley - Fixed Rate Regular Saver
Notice Required

Paid Interest

annually

Gross Rate

2.01%

Minimum Deposit

£10

Maximum Deposit

£6,000

Skipton Building Society - 5 Year Fixed Rate Bond Issue 90 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year e-Bond Issue 90 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Shawbrook Bank - 3 Year Fixed Rate Bond - Issue 44 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Post Office Money - 3 Year Online Bond Issue 56 Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.91%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Skipton Building Society - 5 Year Fixed Rate Bond Issue 90
Notice Required

Paid Interest

annually

Gross Rate

1.9%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year e-Bond Issue 90
Notice Required

Paid Interest

annually

Gross Rate

1.9%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Post Office Money - 3 Year Online Bond Issue 56 Ex/C Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.91%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Skipton Building Society - 5 Year e-Bond Issue 90 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.9%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year Fixed Rate Bond Issue 90 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.9%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Hanley Economic Building Society - Fixed Rate Bond Issue 157
Notice Required

Paid Interest

maturity

Gross Rate

1.85%

Minimum Deposit

£1,000

Maximum Deposit

£75,000

Shawbrook Bank - 2 Year Fixed Rate Bond - Issue 57 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.85%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Post Office Money - 2 Year Online Bond Issue 56 Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.81%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Sainsburys Bank - 5 Year Fixed Rate Saver
Notice Required

Paid Interest

annually

Gross Rate

1.8%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Sainsburys Bank - 5 Year Fixed Rate Saver Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.8%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Newcastle Building Society - Three Year Fixed Rate Bond (Issue 7)
Notice Required

Paid Interest

annually

Gross Rate

1.8%

Minimum Deposit

£500

Maximum Deposit

£250,000

Saffron Building Society - 18 Month Fixed Rate Bond
Notice Required

Paid Interest

annually

Gross Rate

1.8%

Minimum Deposit

£500

Maximum Deposit

£500,000

Saffron Building Society - 18 Month Fixed Rate Maturity Bond Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.8%

Minimum Deposit

£500

Maximum Deposit

£500,000

Newcastle Building Society - Three Year Fixed Rate Bond (Issue 7) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.8%

Minimum Deposit

£500

Maximum Deposit

£250,000

Post Office Money - 2 Year Online Bond Issue 56 Ex/C Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.81%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Melton Mowbray - Fixed Rate Savings to 24 June 2022
Notice Required

Paid Interest

monthly

Gross Rate

1.76%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Leeds Building Society - 3 Year Fixed Rate Bond Issue 354
Notice Required

Paid Interest

annually

Gross Rate

1.75%

Minimum Deposit

£100

Maximum Deposit

£1,000,000

Leek United - Flexible Saver Account
Notice Required

Paid Interest

annually

Gross Rate

1.75%

Minimum Deposit

£25

Maximum Deposit

£12,000

West Bromwich Building Society - 3 Year Fixed Rate Bond
Notice Required

Paid Interest

maturity

Gross Rate

1.75%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

West Bromwich Building Society - 3 Year Fixed Rate Bond Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.75%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

Post Office Money - 1 Year Online Bond Issue 56 Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.71%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Sainsburys Bank - 4 Year Fixed Rate Saver
Notice Required

Paid Interest

annually

Gross Rate

1.7%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Sainsburys Bank - 4 Year Fixed Rate Saver Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.7%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Post Office Money - 1 Year Online Bond Issue 56 Ex/C Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.71%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Sainsburys Bank - 3 Year Fixed Rate Saver
Notice Required

Paid Interest

annually

Gross Rate

1.65%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Sainsburys Bank - 3 Year Fixed Rate Saver Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.65%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Leeds Building Society - 2 Year Fixed Rate Bond Issue 353
Notice Required

Paid Interest

annually

Gross Rate

1.65%

Minimum Deposit

£100

Maximum Deposit

£1,000,000

Cambridge Building Society - 2 Year Fixed Rate Bond (Issue 88)
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.65%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Cambridge Building Society - 2 Year Fixed Rate e-Bond (Issue 13)
Notice Required

Paid Interest

annually

Gross Rate

1.65%

Minimum Deposit

£5,000

Maximum Deposit

£2,000,000

Shawbrook Bank - 1 Year Fixed Rate Bond - Issue 59 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.65%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Chorley & District Building Society - Fixed Rate Bond Issue 4 (30/09/21)
Notice Required

Paid Interest

annually

Gross Rate

1.6%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Cambridge Building Society - 1 Year Fixed Rate e-Bond (Issue 6)
Notice Required

Paid Interest

annually

Gross Rate

1.55%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Cambridge Building Society - 1 Year Fixed Rate Bond (Issue 82)
Notice Required

1 year

Paid Interest

annually

Gross Rate

1.55%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Market Harborough Building Society - Two Year Fixed Term Bond 74
Notice Required

Paid Interest

annually

Gross Rate

1.55%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Sainsburys Bank - 2 Year Fixed Rate Saver
Notice Required

Paid Interest

annually

Gross Rate

1.55%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Sainsburys Bank - 2 Year Fixed Rate Saver Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.55%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Saffron Building Society - 1 Year Fixed Rate Bond
Notice Required

Paid Interest

maturity

Gross Rate

1.5%

Minimum Deposit

£500

Maximum Deposit

£500,000

Allied Irish Bank (GB) - Savings Direct 2 Year Fixed Rate Bond Ex/C
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.5%

Minimum Deposit

£5,000

Maximum Deposit

£2,000,000

Furness Building Society - 1.50% 3 Year eSavings Fixed Rate Bond Issue 12
Notice Required

Paid Interest

annually

Gross Rate

1.5%

Minimum Deposit

£1,000

Maximum Deposit

£250,000

Britannia - 3 Year Fixed Rate Bond (Issue 88) Ex/C
Notice Required

3 years

Paid Interest

annually

Gross Rate

1.46%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Monmouthshire Building Society - 2 Year Fixed Rate Bond - Issue 16
Notice Required

Paid Interest

annually

Gross Rate

1.45%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Newcastle Building Society - One Year Fixed Rate Bond (Issue 23)
Notice Required

Paid Interest

annually

Gross Rate

1.45%

Minimum Deposit

£500

Maximum Deposit

£250,000

Newcastle Building Society - One Year Fixed Rate Bond (Issue 23) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.45%

Minimum Deposit

£500

Maximum Deposit

£250,000

Britannia - 3 Year Fixed Rate Bond (Issue 88) Ex/C Monthly
Notice Required

3 years

Paid Interest

monthly

Gross Rate

1.43%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Britannia - 2 Year Fixed Rate Bond (Issue 128) Ex/C
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Progressive Building Society - 18 Month Fixed Rate Bond Issue 13
Notice Required

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Coventry - Fixed Bond (192) 31.08.2021 (Statement)
Notice Required

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£1

Maximum Deposit

£250,000

Coventry - Fixed Bond (192) 31.08.2021 (Passbook)
Notice Required

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£1

Maximum Deposit

£250,000

Nottingham Building Society - Member Rewards Bond Issue 5 Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£500

Maximum Deposit

£750,000

Coventry - Fixed Bond (192) 31.08.2021 (Passbook) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.4%

Minimum Deposit

£1

Maximum Deposit

£250,000

Coventry - Fixed Bond (192) 31.08.2021 (Statement) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.4%

Minimum Deposit

£1

Maximum Deposit

£250,000

Bath Investment & Building Society - Direct 60 (Issue 16) Ex/C
Notice Required

1 year

Paid Interest

monthly

Gross Rate

1.4%

Minimum Deposit

£2,500

Maximum Deposit

£100,000

Britannia - 2 Year Fixed Rate Bond (Issue 128) Ex/C Monthly
Notice Required

2 years

Paid Interest

monthly

Gross Rate

1.37%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Britannia - 1 Year Fixed Rate Bond (Issue 267) Ex/C
Notice Required

1 year

Paid Interest

annually

Gross Rate

1.34%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Britannia - 1 Year Fixed Rate Bond (Issue 267) Ex/C Monthly
Notice Required

1 year

Paid Interest

monthly

Gross Rate

1.31%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Nationwide Building Society - 3 Year Fixed Rate Bond
Notice Required

Paid Interest

annually

Gross Rate

1.3%

Minimum Deposit

£1

Maximum Deposit

£5,000,000

Nationwide Building Society - e-Bond 3 Year Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.3%

Minimum Deposit

£1

Maximum Deposit

£5,000,000

Furness Building Society - 1.30% 2 Year eSavings Fixed Rate Bond Issue 14
Notice Required

Paid Interest

annually

Gross Rate

1.3%

Minimum Deposit

£1,000

Maximum Deposit

£250,000

Nationwide Building Society - e-Bond 3 Year Ex/C Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.3%

Minimum Deposit

£1

Maximum Deposit

£5,000,000

Nationwide Building Society - 3 Year Fixed Rate Bond Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.3%

Minimum Deposit

£1

Maximum Deposit

£5,000,000

Buckinghamshire Building Society - Fixed Rate Bond (Issue 110) to 29th February 2020
Notice Required

31/05/2019

Paid Interest

maturity

Gross Rate

1.25%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Leek United - 2 Yr Ext Customer Fixed Rate Fxd Term Bond Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.25%

Minimum Deposit

£1,000

Maximum Deposit

£250,000

Leek United - 2 Yr Ext Customer Fixed Rate Fxd Term Bond Ex/C M
Notice Required

Paid Interest

monthly

Gross Rate

1.25%

Minimum Deposit

£1,000

Maximum Deposit

£250,000

Nottingham Building Society - Fixed Rate Issue 177
Notice Required

Paid Interest

annually

Gross Rate

1.2%

Minimum Deposit

£500

Maximum Deposit

£750,000

Allied Irish Bank (GB) - Savings Direct 1 Year Fixed Rate Bond Ex/C
Notice Required

1 year

Paid Interest

maturity

Gross Rate

1.1%

Minimum Deposit

£5,000

Maximum Deposit

£2,000,000

Bath Investment & Building Society - Premier Instant (Issue 9)
Notice Required

Paid Interest

annually

Gross Rate

1%

Minimum Deposit

£1

Maximum Deposit

£20,000

Bank of Scotland - 2 Year Fixed Rate Bond
Notice Required

2 years

Paid Interest

annually

Gross Rate

0.65%

Minimum Deposit

£2,000

Maximum Deposit

£9,000,000

Bank of Scotland - 2 Year Fixed Rate Bond Monthly
Notice Required

2 years

Paid Interest

monthly

Gross Rate

0.65%

Minimum Deposit

£2,000

Maximum Deposit

£9,000,000

Compare Fixed Term savings accounts

Search for the best ISA's today
Fixed terms

A fixed rate bond (or fixed term savings account) is a simple investment product that pays out a guaranteed amount of interest after a set period.

If you’ve got a lump sum you’re happy to put away and not touch for a while, a fixed-rate bond can be a great idea.

They’re ideal for savers looking for a low-risk, low-maintenance investment.

Interest rates and payments

As a general rule, the longer you put your money away for, the higher the interest rate you’re offered will be.

This is, of course, a risk balancing exercise: if interest rates go up during the term, you’ll lose out, but if they go down, you’ll be safe.

Interest will either be paid monthly, annually, or the whole lot will be paid on maturity. Interest will be paid into a separate account but, in some cases, it can be reinvested into the bond, meaning that the actual value of subsequent payments will increase a little bit each year.

For example:

If you invest £10,000 in a 3-year bond with an interest rate of 2% that pays on maturity, then at the end of the three years, you’ll receive £10,600.

But if you’re given the option to reinvest your interest, then with the same account you’d get £10,612.08 - not a huge amount more, but it can add up if you’re investing large amounts or leaving the bond locked up for longer.

Other options

The first thing you should do before picking a savings account is work out your reason for saving. Do you have something in particular that you’re saving up for? If so, start by working out how much you need, and when you need it by. With your savings goal in mind, you can start looking at accounts. If you want to continuously top up your savings, say by putting a bit away each month, then you’ll probably be best off with a notice savings account or an ISA.