Best 3 Year Fixed Rate Bonds

We found 155 products

Home Savings Accounts 3 Year Fixed Rate Bonds

Why choose a three year fixed rate bond?

A three year fixed rate bond might be for you if you want to earn a top savings rate and are prepared to forego access to your money for the three year term. The best rates are usually offered by challenger banks. View today's best rates below or read our guide to three year fixed rate bonds to learn more.

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Best 3 Year Fixed Rate Bonds

Bank of London and The Middle East Premier Deposit Account (Anticipated Profit Rate)

AER

2.55%
Expected Rate

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 2.55% paid at £1K

AER 2.55% paid at £1K

Expected Profit Paid Anniversary

Interest payment Interest must be paid away

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a linked or nominated account

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

Linked Product (Non-Funded): Must have or open a BLME transfer account to hold funds pending investment

Additional Information

This bank operates under Islamic finance principles, the rates displayed represent the expected profit rate.

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Axis Bank UK Ltd Fixed Deposit Account

AER

2.15%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 2.15% paid at £1K

AER 2.15% paid at £1K

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £200,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a linked or nominated account

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Paragon Bank 3 Year Fixed Rate Savings Account

AER

2.15%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 2.15% paid at £1K

AER 2.15% paid at £1K

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £500,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Paragon Bank 3 Year Fixed Rate Savings Account

AER

2.15%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 2.13% paid at £1K

AER 2.15% paid at £1K

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £500,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Zenith Bank (UK) Ltd Raisin UK - 3 Year Fixed Term Deposit

AER

2.15%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 2.15% paid at £1K

AER 2.15% paid at £1K

Interest Paid Anniversary

Interest payment Interest must be compounded

Min Opening Amount £1,000

Max Investment £85,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a linked or nominated account

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

Raisin UK is a savings marketplace offering a range of accounts. By clicking through for this product you will be directed to Raisin UK Savings Marketplace, who will administer your application. You will need to set up a Raisin UK account online and accept their terms and conditions before you apply. Raisin UK are offering a bonus of up to £100 when you open a savings account via their website. Terms and conditions apply.

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
ICICI Bank UK Raisin UK - 3 Year Fixed Term Deposit

AER

2.00%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
On Maturity

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 2.04% paid at £1K

AER 2.00% paid at £1K

Interest Paid On Maturity

Interest payment Interest must be paid away

Min Opening Amount £1,000

Max Investment £85,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

Raisin UK is a savings marketplace offering a range of accounts. By clicking through for this product you will be directed to Raisin UK Savings Marketplace, who will administer your application. You will need to set up a Raisin UK account online and accept their terms and conditions before you apply. Raisin UK are offering a bonus of up to £100 when you open a savings account via their website. Terms and conditions apply.

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
RCI Bank UK Fixed Term Savings Account

AER

1.95%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.95% paid at £1K

AER 1.95% paid at £1K

Interest Paid Anniversary

Interest payment Interest must be compounded

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
RCI Bank UK Fixed Term Savings Account

AER

1.95%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.93% paid at £1K

AER 1.95% paid at £1K

Interest Paid Monthly

Interest payment Interest must be compounded

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore 3 Year Fixed Rate Account

AER

1.90%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.90% paid at £1K

AER 1.90% paid at £1K

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be reinvested in a further Fixed Rate/Fixed Term account on equivalent/similar terms

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore 3 Year Fixed Rate Account

AER

1.90%

Account Type
Fixed

Notice / Term
3 Year Bond

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.88% paid at £1K

AER 1.90% paid at £1K

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be reinvested in a further Fixed Rate/Fixed Term account on equivalent/similar terms

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site

Select a Savings Category

Note

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.

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At a glance

Three year fixed rate bonds are a good compromise between short and long-term fixed rate bonds.
As most bonds don’t allow early access to funds, make sure you won’t need your money for the next three years.
If early access is allowed, a considerable interest penalty is likely.

Fixed rate bond considerations

The two most important things to consider when taking out a three year fixed rate bond are interest rates and how likely it is that you’ll need access to those funds invested within the three-year period.

Firstly, the interest rate you sign up to will be fixed for the duration of the bond. Therefore, if rates skyrocket during those three years, you might find yourself earning an interest rate that suddenly seems quite poor. On the other hand, if interest rates fall, you’ll have made a great investment earning a return that is much better than the majority of easy access accounts. Three year fixed rate bonds are considered a good trade-off between the security of a fixed rate product without locking your money away for the long-term.

Access to your cash

When taking out a fixed rate bond, you are usually not supposed to withdraw your cash for a specified period of time – in this instance, it will be for three years. Most three-year fixed rate bonds do not allow you access to your money once it’s been deposited until the bond matures. Where early withdrawals are allowed, a considerable interest penalty will almost certainly have to be paid.

If not being able to access your money over a three year period could be a challenge, you may want to consider a two year fixed rate bond or a one year fixed rate bond as an alternative.

Who offers the best three-year fixed rate bonds?

Many of the best rates available on three-year fixed rate bonds are offered by what is often referred to as ‘challenger banks’. These are normally, smaller, relatively unknown banks who are new to the market. However, they are just as safe as any of the high street, big-name banks and building societies. All the providers appearing on Moneyfacts.co.uk are part of the Financial Services Compensation Scheme (or an EU equivalent). Therefore, you can be safe in the knowledge that the first £85,000 you have saved is protected if the bank or building society were to go bust.

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Best 3 Year Fixed Rate Bonds

We found 155 products

Why choose a three year fixed rate bond?

Best 3 Year Fixed Rate Bonds

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions