Fixed Rate Savings Commentary

Latest fixed rate bond rates

James Caldwell / 17 May 2012

For those looking to get a better deal from their cash and who are prepared to tie up capital for a set term, savers should give fixed rate savings bonds a closer look. Fixed rate bond deals are cha... Read more

Inflation linked or fixed rate savings

Oliver Roylance-Smith / 12 December 2011

To help savers find a solution to rising inflation and low interest rates, Oliver Roylance-Smith, head of savings and investment at Fair Investment, weighs up the pros and cons of inflation lin... Read more

Savings map shows higher savings plans for many in 2011

Paul Dicken / 15 January 2011

Many savers are more ambitious about their savings plans in 2011 after a difficult 2010, a map of British saving habits produced by HSBC shows. The data compiled by HSBC shows Britons struggled to i... Read more

AA Fixed Rate Bonds

With AA fixed rate bonds you can be sure of the returns you'll get, because the rate you get will be unaffected by fluctuations in interest rates. See below to compare fixed rates from a range of other leading providers:

Latest Fixed Rate Bond Deals
ProviderAccountInterest Rate (AER)TermApply
4.26%5 YearsApply Now >
Earn 4.26% 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.
3.72%3 YearsApply Now >
A rate of 3.72% Gross/AER fixed for 3 years. Deposit from £500. No additional withdrawals or deposits.
3.63%2 YearsApply Now >
A rate of 3.63% Gross/AER fixed for 2 years. Deposit from £500. No additional withdrawals or deposits.
3.27%1 YearApply Now >
A rate of 3.27% AER fixed for 1 year. Deposit from £500. No additional withdrawals or deposits.
Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest Rate (AER)TermApply
3.63%2 YearsApply Now >
  • Earn 3.63% gross/AER fixed for 2 years
  • Save from £500
  • Monthly and annual interest options
  • Online savings account
  • No withdrawals or additional deposits allowed
  • Bond designed to be held for full term
  • Must be UK resident and aged 18 or over
3.27%1 YearApply Now >
  • Earn 3.27% gross/AER fixed for 1 year
  • Save from £500
  • Monthly and annual interest options
  • Online savings account
  • No withdrawals or additional deposits allowed
  • Bond designed to be held for full term
  • Must be UK resident and aged 18 or over 
2.80%18 MonthsApply Now >
  • £5,000 minimum deposit
  • No withdrawals or additional deposits allowed
2.50%9 MonthsApply Now >
  • £5,000 minimum deposit
  • No withdrawals or additional deposits allowed
up to
2.26%		6 MonthsApply Now >
  • Competitive returns on short-term savings
  • Open with £1
  • Only available to Nationwide FlexAccount holders.
  • 2.01% Goss/AER fixed on balances of £1-£49,999
  • 2.26% Gross/AER fixed on balances of £50,000 or more

Some of the things you can expect with AA fixed rate bonds include:

  • Monthly or annual income
  • Save from £1 to £5million
  • A choice of terms to suit your needs

Not sure if AA fixed rate bonds are right for you? See rates and other features available from a choice of other deals to make sure you find the best place for your savings.

Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
FTSE 100 3 Year Deposit Plan Investec Bank plc17.25%3 yearsMore Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 17.25%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Deposit Kick OutRoyal Bank of Scotland plc9.50%
per annum		Up to 6 yearsMore Info >
  • Structured deposit plan with a term of up to 6 years
  • Capital protected
  • Available as a Cash ISA & for Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Returns linked to the performance of 5 FTSE 100 Companies
  • Plan designed to be held for full term
  • May close early if oversubscribed
Income Deposit PlanRoyal Bank of Scotland plc7.00%
per annum		6 YearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • Available for Cash ISA & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Income is not guaranteed
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 2Investec Bank plc6.00%
per annum		Up to
5 years		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Deposit Growth PlanInvestec Bank plcNo limit5 yearsMore Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential to return 1.05 x FTSE 100 growth
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Growth Deposit BondCater Allen50%6 yearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%)
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Enhanced Growth PlanSantander UK plc40%6 yearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • 4 x any rise in the FTSE 100 capped at 40%
  • Available as a Cash ISA & for Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Annual Locked-In Return PlanSantander UK plc39%6 yearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • 6.5% potential annual return
  • Available for Cash ISAs & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed

These are structured deposit plans and are capital protected. There is a risk that the company backing the plans or any company associated with the plans may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) , depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plans are not held for the full term.

If you are at all unsure of the suitability of these types of investments, both in respect of their objectives and risk profiles, you should seek independent financial advice.

Fixed Rate Bond Provider Reviews