Co-operative Bank Fixed Rate Bonds

Compare Co-operative Bank Fixed Rate Bonds

Co-operative Bank fixed rate bonds offer both guaranteed returns and peace of mind that your money will only be invested where you want it to be. Like other fixed term deposit accounts, the Co-operative Bank fixed rate bonds come with a variety of terms to choose from and the longer the term, the higher the return. For a selection of market leading fixed rate bonds see below:

Fixed Rate Bond Selection
ProviderAccountInterest RateTermApply

2.25%

per annum

£1,000More Info >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals

2.20%

per annum

£1,000More Info >
  • Earn 2.20% AER for deposits between £1,000 and £200,000.
  • Minimum opening balance of £1,000; maximum balance £200,000.
  • Interest paid monthly, quarterly or at maturity
  • Available as a single or joint account
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.

2.10%

per annum

£5,000More Info >
  • Earn 2.10% AER/gross fixed for 3 years.
  • Minimum opening balance of £5,000; maximum balance £500,000.
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No additional deposits or withdrawals permitted.

2.00%

per annum

£1,000More Info >
  • Earn 2.00% AER for deposits between £1,000 and £200,000.
  • Minimum opening balance of £1,000; maximum balance £200,000.
  • Interest paid monthly, quarterly or at maturity
  • Available as a single or joint account
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.

2.00%

per annum

£5,000More Info >
  • Earn 2.00% AER/gross fixed for 2 years.
  • Minimum opening balance of £5,000; maximum balance £500,000.
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No additional deposits or withdrawals permitted.

1.70%

per annum

£5,000More Info >
  • Earn 1.70% AER/gross fixed for 1 year.
  • Minimum opening balance of £5,000; maximum balance £500,000.
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No additional deposits or withdrawals permitted.

1.60%

per annum

£1,000More Info >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals

1.50%

per annum

£1,000More Info >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals

1.35%

per annum

£1,000More Info >
  • Manage your account online, by phone or post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals

1.40%

per annum

£1,000More Info >
  • Earn 1.40% AER for deposits between £1,000 and £200,000.
  • Minimum opening balance of £1,000; maximum balance £200,000.
  • Interest paid monthly, quarterly or at maturity
  • Available as a single or joint account
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.
Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
Kick Out Deposit PlanInvestec Bank plc

4.25%

per annum

Up to
6 years
More Info >
  • 4.25% 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 2Cash 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.

Other aspects of Co-operative Bank fixed rate bonds to consider include:

  • Deposits from £1,000 to £1million
  • A safe home for your money
  • Guaranteed interest rates for the chosen term
  • Can be opened as a single, joint or 'Re' account

 

Before you make your mind up about Co-operative Bank fixed rate bonds, check out other leading UK deals. Use the tables above to see if there’s a fixed rate bond that fits your needs.

As with most bonds you lose access to your money for a fixed period of time, and may end up with less in return if you close them early. Therefore shopping around before you take one out is a wise decision.

Other types of plan you may wish to think about

  • Tracker bonds – Another type of bond so they share many of the features of a Fixed Rate bond. The key difference is that the amount of interest your bond accumulated can vary in response to changes in the Base Rate set by the Bank of England, rather than being consistent as with a fixed rate. This means if the base rate does improve you will benefit from a better interest rate, however if it falls you will earn less interest.

 

  • Structured Deposits – Like a bond a structured deposit requires you to lock up your funds for a period of time. This type of plan is normally tied to an index such as the FTSE 100. If over the plan the index or indices perform in a certain way you will receive your original investment back plus an interest payment typically larger than those offered by bonds or savings accounts. However if it does not perform in a certain way set out at the start of the plan you will receive your investment back but will no gains on it, so it is a risk that needs to be carefully considered beforehand.

 

  • Savings Account – If you are looking for a way to earn interest on your savings while still maintaining the ability to make withdrawals then an instant access savings account may be a suitable alternative to a bond or deposit. Although they usually provide lower rates of interest than other plans most of them will let you make unlimited free withdrawals.