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A 3 year fixed rate bond might be for you if you want to earn a top savings rate, and are prepared to not have access to your money for the 3 year term.
The majority of 3 year rates won’t allow you to access your money before the end of the bond’s term, so be certain you can commit your cash.
Sometimes a bank or building society will let you get at your cash sooner – at the expense of an interest-based penalty. Typically this can be anything up to 270 days’ interest.
The very best 3 year fixed rate bonds are often offered by smaller banks that may not be familiar to you. However, rest assured that all savings account and bond providers that we list on moneyfacts.co.uk have to be part of the UK Financial Services Compensation Scheme (or European equivalent). This guarantees the first £85,000 of savings that an individual has with a bank, in the event that it goes bust. If you have more than this amount to invest, it’s a good idea to spread money between banks and building societies to ensure it’s fully protected.
You normally can’t add to your initial deposit once you’ve opened a fixed rate bond. Some bonds will allow you to make further additions – but only while the product remains available to new customers.
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