3+ Year Fixed Rate ISAs - Best ISA Rates | moneyfacts.co.uk

3 - 5 Year Fixed Rate ISA Best Buys

  - Choose a 3 year+ fixed rate ISA with our independent Best Buys.
 
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Compare the Best 3 Year & Over Fixed Rate Cash ISAs

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1486 accounts
 

1.60%
5 Year Bond £500 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.51%
24.01.22 £1 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.50%
5 Year Bond £1 Yes
  1. No
  2. Yes
  3. No
  4. No
Details...  

1.45%
5 Year Bond £5000 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.40%
5 Year Bond £5000 Yes
  1. No
  2. Yes
  3. Yes
  4. Yes
Details...  

1.30%
4 Year Bond £5000 Yes
  1. No
  2. Yes
  3. Yes
  4. Yes
Details...  

1.25%
24.01.20 £1 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.25%
3 Year Bond £500 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.25%
3 Year Bond £1000 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...
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1.25%
5 Year Bond £5000 Yes
  1. No
  2. Yes
  3. No
  4. No
Details...  
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1.15%
3 Year Bond £500 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...
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Last Updated: Monday 23 January 2017 00:07

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to open an account today. Products shown with a yellow background are sponsored products.

The UK Government has proposed to increase the deposit protection level from £75,000 to £85,000 of eligible deposits from 30 January 2017.

Disclaimer:
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
 
Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £75,000 per person per institution.
 

Longer term fixed rate ISAs explained

  • 5 year fixed rate ISAs offer the very best ISA rates
  • Make sure you can commit your money for the full term
  • You can hold more than one cash ISA, but you can only open one new cash ISA per tax year

Fixed rate ISAs are a great way to grow your savings. While simply having money in a cash ISA means that you can earn tax-free interest, having your money in a 3, 4 or even 5 year fixed rate ISA means that you can benefit from some of the highest savings rates available.

Penny PigA 2.00% fixed rate ISA is equivalent to a 2.50% fixed rate bond if you pay basic rate tax, or 3.33% if you’re a higher rate taxpayer.

You may only be able to make a single deposit and/or transfer to your fixed rate ISA when you open it. Some ISAs let you make deposits after the initial account opening, but as soon as the ISA is withdrawn for sale to new investors you won’t be able to make any further additions.

You are allowed to hold more than one cash ISA at once, although you can only open one every tax year (6 April to the following 5 April). So you wouldn’t be able to open a 5 year fixed rate ISA, then an easy access ISA in the same tax year.

Warning If you want to transfer your ISA or withdraw your money during the term of your fixed rate, you’ll have to forfeit a fair amount of interest or pay a penalty fee.

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