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Compare 3 Year Fixed Rate Bonds

UBL
Fixed Rate Bond UBL
Min deposit £1000
Term 3 Years
Interest AER 1.82%
UBL More info

Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid on maturity. Maximum deposit £85,000. FSCS Protected. Must be UK resident and aged 18 or older. No withdrawals permitted

Zenith Bank UK
Fixed Rate Bond Zenith Bank UK
Min deposit £1000
Term 3 Years
Interest AER 1.82%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid on maturity. Maximum deposit £85,000. FSCS Protected. Must be UK resident and aged 18 or older. No withdrawals permitted

QIB UK Bank
Fixed Rate Bond QIB UK Bank
Min deposit £1000
Term 3 Years
Interest AER 1.77%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid on maturity. Maximum deposit £85,000. FSCS Protected. Must be UK resident and aged 18 or older. No withdrawals permitted

IS Bank
Fixed Rate Bond IS Bank
Min deposit £1000
Term 3 Years
Interest AER 1.75%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid on maturity. Maximum deposit £85,000. FSCS Protected. Must be UK resident and aged 18 or older. No withdrawals permitted

Cambridge & Counties Bank
Fixed Rate Bond Cambridge & Counties Bank
Min deposit £10000
Term 3 Years
Interest AER 1.50%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid on maturity. Maximum deposit £85,000. FSCS Protected. Must be UK resident and aged 18 or older. No withdrawals permitted

Hampshire Trust Bank
Fixed Rate Bond Hampshire Trust Bank
Min deposit £1
Term 3 Years
Interest AER 1.45%

Why we like it: Interest paid annually. Open in a single or a joint name. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older. No withdrawals permitted

Aldermore
Fixed Rate Bond Aldermore
Min deposit £1000
Term 3 Years
Interest AER 1.40%

Why we like it: Minimum deposit £1,000 - No withdrawals permitted - FSCS Protected

RCI Bank
Fixed Rate Bond RCI Bank
Min deposit £1000
Term 3 Years
Interest AER 1.35%

Why we like it: Which? Recommended Savings Provider. Save from £1,000 to £250,000. No withdrawals before the end of the term. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Oak North
Fixed Rate Bond Oak North
Min deposit £1000
Term 30 Months
Interest AER 1.31%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid on maturity. Maximum deposit £85,000. FSCS Protected. Must be UK resident and aged 18 or older. No withdrawals permitted

FCMB
Fixed Rate Bond FCMB
Min deposit £1000
Term 3 Years
Interest AER 1.30%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid on maturity. Maximum deposit £85,000. FSCS Protected. Must be UK resident and aged 18 or older. No withdrawals permitted

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 3 Years
Interest AER 1.25%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

ICICI Bank
Fixed Rate Bond ICICI Bank
Min deposit £1000
Term 3 Years
Interest AER 0.9%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid on maturity. Maximum deposit £85,000. FSCS Protected. Must be UK resident and aged 18 or older. No withdrawals permitted

Is a 3 year fixed rate bond right for you?

If you are looking for a good return on small amounts of money, you may be best putting your funds into a savings account. For example Investec Bank currently offer 0.58% on their Freedom Saver Instant Access Savings Account.

However, if you want to collect interest on a larger sum, you will usually be better off placing your money into a fixed rate bond. This offers a dependable return for the life of the bond and the maximum deposit on which interest is paid is usually much higher than for most savings accounts.

The great thing about fixed rate bonds is you can set them up alongside your existing current account, so you get the most from your money without having to change your day-to-day banking.

A 3 year fixed rate bond is ideal if you are confident you won’t need to access your funds any time soon. They usually offer attractive rates of interest and help your savings to retain their value relative to inflation.

Compare 3 year fixed rate bonds

We have selected some of the most attractive 3 year fixed rate bonds currently on offer below. The rates of interest they offer change regularly, so please see the table above for the latest rates.

1. UBL 3 Year Fixed Rate Bond »

  • Fixed 3 Year 1.82% at time of writing
  • Interest paid at maturity
  • Open online
  • Minimum deposit - £1,000
  • Register for a free Raisin UK Account to apply for product
  • FSCS Protected up to £85,000

Quick online application from UBL

2. Zenith Bank 3 Year Fixed Rate Bond »

  • Fixed 3 Year 1.78% at time of writing
  • Interest paid at maturity
  • Open online
  • Minimum deposit - £1,000
  • Register for a free Raisin UK Account to apply for product
  • FSCS Protected up to £85,000

Quick online application from Zenith Bank

 

Other fixed rate bonds

1 year or 2 year fixed rate bonds can be a better option if you think there is a possibility you will need to access your funds sooner. Many schemes let you automatically rollover your deposit into a new bond when your current one reaches maturity. This lets you can keep receiving a return if you don’t end up needing to use your money.

Alternatively, a 5 year fixed rate bond will generally offer a significantly better rate of interest than accounts with a shorter term. So, if you are happy to lock your money away for longer, you can end up earning a much better return.

Find 3 Year Fixed Rate Bond Best Buys

Selecting the best 3 year fixed rate bond for you is a big decision, which is why it’s so important to carefully compare all of the available deals. Make sure you know exactly what you are looking to get out of your fixed rate bond, then you should be able to find a product that matches your needs.

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