4 Year Fixed Rate Bonds - 5 Year Bonds | moneyfacts.co.uk

4 Years and Over Fixed Rate Bonds

  - Compare the long term fixed rate bonds as chosen by our experts.
Also look at:

Compare the Best 4 Year & over Fixed Rate Bonds

Compare
Up to 3 products
side by side
AER Notice / Term Minimum Investment Account Opening Search all 1531 accounts
 

2.30%
expected rate
5 Year Bond £10000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

2.25%
expected rate
5 Year Bond £25000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.20%
10.03.22 £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.16%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.06%
5 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

2.06%
4 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.05%
5 Year Bond £50
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.05%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.05%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.05%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 
  Sponsored Products  

2.05%
5 Year Bond £10000
  1. Yes
  2. No
  3. Yes
  4. No
Details...
Go to Site
 

2.00%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

2.00%
5 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.96%
4 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.90%
5 Year Bond £2000
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...
Go to Site
 

1.85%
4 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.75%
5 Year Bond £1000
  1. Yes
  2. Yes
  3. No
  4. No
Details...
Go to Site
 
Compare
Last Updated: Tuesday 21 February 2017 19:26

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.

Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £85,000 per person per institution.

Disclaimer:
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
Search All Savings Accounts >>
 
Free Brochures and Guides

4 & 5 year fixed rate bonds explained

  • Longer term bonds tend to offer the best savings rates
  • Be sure you can commit your savings for the full term
  • Most bonds will allow early access, but expect to forfeit a large amount of interest
  • Think about what interest rates might do over the term of the bond before committing your money

For savers who don’t need to access their savings for a longer period of time, 4 and 5 year fixed rate bonds offer the very best savings rates available.

Most 4 and 5 year fixed rate bonds will let you access your money before the end of the term (although by no means do all allow this). Where early access is permitted there will normally be a hefty interest penalty. These penalties vary between providers and can either be:

  • A flat interest penalty (loss of 360 days’ interest for instance)
  • A tapering interest penalty which gets smaller the closer your withdrawal is to the end of the term (loss of 360 days’ interest if you make a withdrawal in the first year, loss of 180 days’ interest if you make a withdrawal in the second, etc.)

What do you think will happen to interest rates?

When taking out a longer term fixed rate bond, it’s important to think about what will happen to interest rates over the next few years.

If interest rates go down, opting for a 4 or 5 year fixed rate bond will end up being a financially shrewd move, as other savers will have to suffer lower rates.

Conversely, if interest rates go up during the term of your bond, better rates could be on offer. It could transpire that your bond pays an uncompetitive rate of interest in comparison to the best savings rates available.

While thinking about what rates will do is important, so is the certainty you get with a bond. One of the big advantages of a fixed rate bond is that you are getting a definite rate of interest, over a definite term. If you think rates won’t rise over the term of your bond, or you simply want a stable rate of interest for the next 4 to 5 years, then a longer term bond can be a great option.

A good hedge, if you are worried about interest rates rising over the longer term, is to opt for a medium term 2 or 3 year fixed rate bond. You aren’t committed for as long, but you do get the benefit of a better rate of interest than will be available on a variable rate easy access or notice account.

What next?

Savings home
Search all savings accounts

Compare:

Savings guides

 
 
 
Long-term fixed bond rates rise
Long-term fixed bond rates rise

The average long-term fixed bond rate has risen by 0.05% to 1.30% this month, the first time such a ... More

Top 6 inflation-beating fixed rate bonds
Top 6 inflation-beating fixed rate bonds

Inflation jumped to 1.8% in January, which means just 23 savings accounts now pay a rate that can ma... More

Britain is still a nation of savers
Britain is still a nation of savers

It hasn’t exactly been a great time to be a saver in the last few months, which is why it’s so reass... More

Just 23 bonds beat inflation, but rates are rising
Just 23 bonds beat inflation, but rates are rising

Inflation is well and truly on an upwards march, with the rate standing at 1.8% in January. As a res... More

Number of closed savings accounts on the rise
Number of closed savings accounts on the rise

Savings accounts are rarely available for long these days, and given how quickly some are withdrawn ... More

Sharia’a compliant savings accounts
Sharia’a compliant savings accounts

Islamic savings accounts offer a Sharia’a-compliant way of saving for Muslims living in the UK, as w... More

Depositor protection schemes if a bank goes bust
Depositor protection schemes if a bank goes bust

Find out where your bank or building society is licenced, and what deposit protection guarantees you... More

Is now the time to fix your savings rate?
Is now the time to fix your savings rate?

With some forecasters predicting interest rate cuts by November 2012, we look at the pros and cons o... More

Zenith enters 3yr savings bond chart
Zenith enters 3yr savings bond chart

Zenith Bank (UK) has increased the rate on its three-year fixed bond by 0.08%, which has helped it t... More

Milestone Savings increases bond rates
Milestone Savings increases bond rates

Milestone Savings has increased its fixed bond rates by up to 0.30%, which sees the two and three-ye... More

Improved savings bonds highly competitive
Improved savings bonds highly competitive

Charter Savings Bank has increased fixed bond rates and launched new ones. The 18-month, one, two an... More

Secure Trust Bank raises 5yr bond rate
Secure Trust Bank raises 5yr bond rate

Secure Trust Bank has increased the rate on its five-year bond by 0.05%, which has seen it take a co... More

Paragon enters 3yr bond chart
Paragon enters 3yr bond chart

Paragon Bank has increased the rate on its three-year fixed bond by 0.05%, which sees it enter the B... More

Close