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 1560 accounts
 


7 Year Fixed Rate Bond 3rd Issue
3.10%
7 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

High Yield
3.02%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 

5 Year Fixed Term Deposit
3.01%
5 Year Bond £2000
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...
Proceed
 


Retail Term Deposits
3.00%
5 Year Bond £2000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  


Retail Term Deposits
3.00%
5 Year Bond £2000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  


Select Gold Fixed Term Deposit
3.00%
5 Year Bond £10000
  1. No
  2. No
  3. Yes
  4. No
Details...  


5 Year Fixed Rate Bond 9th Issue
2.95%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  


Online 5 Year Fixed Term Deposit
2.90%
5 Year Bond £10000
  1. Yes
  2. No
  3. No
  4. No
Details...  


5 Year Fixed Rate Bond Issue 17
2.80%
5 Year Bond £5000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

Sharia'a compliant Premier Deposit Account
2.80%
5 Year Bond £25000
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 
  Sponsored Products  

Fixed Deposit
2.90%
5 Year Bond £10000
  1. No
  2. Yes
  3. Yes
  4. No
Details...
Proceed
 

High Yield
2.61%
4 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 

5 Year Fixed Rate E-bond
2.10%
5 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 
Compare
Last Updated: Thursday 29 January 2015 00:22

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.

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

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

Advertisements:

 
Alternatives to the Pensioner Bond
Alternatives to the Pensioner Bond

The Pensioner Bond has taken the savings market by storm, with these accounts offering truly market-... More

More competition on the way for savings market
More competition on the way for savings market

Are you fed up of the interest rate you’re getting on your savings? Perhaps you’re bewildered by com... More

6 of the best monthly interest savings accounts
6 of the best monthly interest savings accounts

Monthly interest savings accounts, as their name suggests, pay interest on your savings each month (... More

SAVINGS ALERT: Pensioner Bonds are on sale now!
SAVINGS ALERT: Pensioner Bonds are on sale now!

After months of anticipation, the Pensioner Bond has finally been launched. On sale as of this morni... More

510 savings accounts now beat inflation
510 savings accounts now beat inflation

The latest official inflation figures, released this morning, show that the Consumer Prices Index (C... More

Islamic Sharia’a compliant savings accounts
Islamic 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

Savings accounts for over 50s
Savings accounts for over 50s

Savings accounts for the over 50s can offer a better rate, but not always. Make sure you always comp... More

5-yr ISA holds onto top 5 place
5-yr ISA holds onto top 5 place

Virgin Money has reduced the rates of its three and five-year fixed rate products by up to 0.25%, bu... More

Rate top-up for fixed business deposit
Rate top-up for fixed business deposit

Yorkshire Bank has increased the rates of selected fixed business savings accounts by up to 0.30%. A... More

Easy access account breaks into top 10
Easy access account breaks into top 10

National Counties Building Society has increased the rates on selected easy access accounts by up to... More

‘Excellent’ fixed rate ISAs released
‘Excellent’ fixed rate ISAs released

Yorkshire Building Society has launched two new fixed rate ISAs onto the market, with the 18-month v... More

New 18-month bond hits the charts
New 18-month bond hits the charts

GE Capital Direct has unleashed a competitive new 18-month fixed rate bond onto the market, earning ... More