Building Society Fixed Rate Bonds

Compare Fixed Rate Building Society Bonds

Most UK building societies offer fixed rate bond deals on varying terms from 6 months to 5 year terms. Building societies are mutual societies owned by their members. In this respect as with all mutual societies, building societies have no shareholders to pay, so the emphasis is firmly on providing value to existing and new members through competitive products in both the saving and borrowing sides of their businesses. In this respect rates offered by building societies on fixed rate bonds are often very competitive.

See below for a number of leading fixed rate bond deals and see if they suit your needs:

ProviderAccountInterest RateTermApply
1.30%Instant AccessMore Info >
MARKET LEADING. Earn 1.30% 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, the French deposit protection scheme. Manage account online.


per annum

£1,000More Info >
MARKET LEADING 1 Year Bond. Earn 1.80% fixed interest. 1 year term, minimum deposit £1,000, no withdrawals permitted. FSCS Protected


per annum

£5,000More Info >
Earn 1.72% fixed interest - 1 year term - Save from £5,000 to £500,000 - No additional deposits or withdrawals permitted -FSCS Protected


per annum

£500More Info >
Earn 1.70% fixed interest. 1 year term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected



Gross AER

£1,000More Info >
Managed Savings Service. Save time and hassle. 1 year term. Savers open one account with Octopus cash who then spread the money across some of the best challenger bank rates around. At the end of the term savers can either withdraw money or allow Octopus Cash to automatically switch accounts to the best rates on offer. FSCS Protected


per annum

£5,000More Info >
Earn 2.02% fixed interest - 2 year term - Minimum deposit £5,000 - No withdrawals permitted. FSCS Protected


Gross AER

£500More Info >
Earn 1.85% fixed interest. 2 year term. Interest can be paid monthly or annually. Open an account singly or jointly. Minimum deposit £500. No withdrawals permitted. FSCS Protected


per annum

£5,000More Info >
Earn 2.20% fixed interest - 3 year term - Minimum deposit £5,000 - No withdrawals permitted. FSCS Protected


per annum

£1,000More Info >
Earn 2.16% AER fixed interest. 3 year term. Interest can be paid monthly, quarterly or at maturity. Minimum deposit £1,000, Maximum deposit £200,000. No withdrawals permitted. FSCS Protected

With our FREE comparison service, you can compare the fixed rate building society bonds that are available, as well as the latest deals from other fixed rate bond providers. Whether you get one from another provider or a building society, fixed rate bonds offer a number of benefits, including:

  • A choice of term – 6 months to 5 years
  • Fixed rate for the term of the bond
  • Guaranteed returns on your investment

Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
Kick Out Deposit PlanInvestec Bank plc


per annum

Up to
6 years
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
  • Alternative 8 year option offering 4.5% kick out from year 4 onwards
  • 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 

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.