AA Fixed Rate Bonds

Compare AA Fixed Rate Deal With The Market

ProviderAccountInterest RateTermApply
5.00%Current Account
Instant Access
More Info >
5.00% interest for 12 months on balances up to £2,500 for the first year. You must pay in £1,000 or more each month to receive interest (excluding transfers from any Nationwide account held by you or anyone else). 12 month fee-free arranged overdraft available. No monthly fee. Must be aged 18 or older.
5.00%Current Account
Instant Access
More Info >
5.00% interest on balances up to £2,000 PLUS 5% cashback on first £100 of Contactless payments every month. Must pay in a minimum of £500 into the account each month. No monthly account fee.
1.45%Instant AccessMore Info >
MARKET LEADING: Earn 1.45% gross/AER Instant Access. No notice periods. Unlimited payments and withdrawals. Pay in from £100. RCI Bank are protected up to a total of €100,000 by the FGDR (Fonds de Garantie Dépôts et de Résolution), the French deposit protection scheme. Manage account online.
1.00%Current Account
Instant Access
More Info >
Innovative new banking service powered by Clydesdale and Yorkshire Banks. Get your current account and instant access savings account working together. Earn 1% AER on ALL instant access credit balances, and 0.5% AER on current account balances up to £2,000. £2 per month fee. INTRODUCTORY OFFER: Free for the first 12 months.

3.00%

per annum

£10More Info >
Peer-to-Peer Lending: Earn 3.00% pa fixed interest - 1 year term - Interest can be paid monthly (Revised rate 2.95%) or on maturity - Your money is asset backed - Manage your account online

1.51%

per annum

£1,000More Info >
Earn 1.51% gross/AER fixed for 12 months. £1,000 minimum deposit. Interest paid on maturity. No withdrawals permitted. FSCS Protected

1.81%

per annum

£1,000More Info >
Earn 1.81% fixed interest - 24 month term - Minimum deposit £1,000 - Interest paid on maturity - No withdrawals permitted - FSCS Protected
Fixed Rate Bond Selection
ProviderAccountInterest RateTermApply

2.25%

per annum

£10,000More Info >
Earn 2.25% fixed interest - 5 year term - Minimum deposit £10,000 - No withdrawals permitted. FSCS Protected

2.20%

per annum

5 YearsMore Info >
Earn 2.20% gross/AER fixed for 5 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest.

2.05%

per annum

4 YearsMore Info >
Earn 2.05% gross/AER fixed for 4 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest.

1.83%

per annum

£1,000More Info >
Earn 1.83% gross/AER fixed for 30 months. £1,000 minimum deposit. Interest paid on maturity.

1.81%

per annum

£1,000More Info >
Earn 1.81% fixed interest - 24 month term - Minimum deposit £1,000 - Interest paid on maturity - No withdrawals permitted - FSCS Protected

1.55%

per annum

£1,000More Info >
Earn 1.55% gross/AER fixed for 15 months. £1,000 minimum deposit. Interest paid on maturity. No withdrawals permitted. FSCS Protected

1.51%

per annum

£1,000More Info >
Earn 1.51% gross/AER fixed for 12 months. £1,000 minimum deposit. Interest paid on maturity. No withdrawals permitted. FSCS Protected

1.55%

per annum

£1,000More Info >
Earn 1.55% fixed interest - 6 month term - Minimum deposit £1,000 No withdrawals permitted. FSCS Protected

1.30%

per annum

£1,000More Info >
Earn 1.30% fixed interest - 6 month term - Minimum deposit £1,000 No withdrawals permitted. FSCS Protected

0.95%

per annum

£10,000More Info >
Earn 0.95% fixed interest - 6 month term - Minimum deposit £10,000 No withdrawals permitted. FSCS Protected


More Fixed Rate Bond Alternatives
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
6 Year Defensive Deposit PlanInvestec Bank plcyes6 years

27%

at end of term

More Info >
  • 27% fixed return if the Index is higher than 95% of its Initial Level
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Available for Cash ISA,  ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

4%

per annum

More Info >
  • 4% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISAs, ISA transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
4 Year Deposit PlanInvestec Bank plcyes4 years

16%

at end of term

More Info >
  • 16% fixed return if the Index is higher
  • Capital protected
  • Low minimum - £3,000
  • Short/medium alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital

Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

The AA currently offers two fixed rate products, for one and two years, under their AA ISA plan


AA ISA Fixed rate product key facts:


  • Open with a deposit or transfer in of at least £500
  • No upwards limit
  • Interest calculated daily and paid yearly
  • At the end of the fixed term your money is transferred to a holding account where it will retain its tax free status until you decide what to do with it.
  • No additional deposits or withdrawals can be made during the fixed term
  • Use your 2016/17 ISA allowance – up to £15,240 minus any contributions you may have already made to a stocks and shares ISA this tax year
  • If you need to close the plan early there will be a breakage charge

If you are looking for a plan which requires you to lock away your money for a set time period you most likely want to make sure you’re getting the best deal you can.


You can look below at some of the latest fixed rate bonds available from various providers to give you an idea of what some of your different options are.


Although fixed rate bonds have the advantage of letting you know exactly how much interest you are going to be earning over the period of the plan. However if while you are locked into a bond interest rates rise, your plan may no longer be competitive, For this reason you may want to also consider a tracker plan. With this plan type interest rates set by the bank of England raise, so too will the interest rate you receive on the bond. On the other hand it may also fall if the base rate does.


Alternatively you may wish to consider a structured deposit plan. These can have higher interest rates than savings bonds. However this comes at a risk as your return is not guaranteed, it is dependent on the performance of a particular index like the FTSE 100. If it does not perform in a certain way you may not receive any interest payments therefore. However the return of your original sum is not at risk and is guaranteed.


If you would like to have your money more easily available in case you need you might want to consider an instant access savings account. The AA offers an easy access saving option under its ISA plan that can be opened with £100 which offers unlimited free withdrawals. However it is important to remember that many providers offer instant access options and the AA is just option of many, for this reason it is wise to shop around before picking a plan.