Savings Maximiser

Fixed Rate Bond Commentary

Fixed rate bonds roundup – June 2013

Oliver Roylance-Smith / 18 Jun 2013

Fixed rate bonds can potentially offer a better return than easy access savings accounts, in return for tying up your capital for a set period. To help you choose the right savings option for you, see ... Read More

Latest Savings Rate News

Latest Fixed Rate Bond Deals

Isabel Buxton / 12 April 2013

Here we highlight a selection of some of the current fixed rate bond deals for April 2013 – as well as some alternative ideas if you’re happy to tie up capital for 3 years or more. 1. Sh... Read more

Best fixed rate bonds – latest deals

Isabel Buxton / 22 February 2013

With interest rates at record lows, locking cash away in a fixed-rate bond is no longer a guarantee of getting a good return. With the Government’s Funding for Lending Scheme giving banks chea... Read more

NatWest launch 2 year fixed rate ISA at 2.35% AER

Isabel Buxton / 13 February 2013

At a time when good fixed rate ISA deals are hard to find, NatWest have launched competitive one and two year fixed rate cash ISAs. These plans allow savers the option of one or two year fixed tem, ... Read more

Co-operative Bank Fixed Rate Bonds

Compare Co-op 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

Provider	Account	Interest Rate (AER)	Term	Apply
	Savings Maximiser 5 Year Fixed Rate Bond	2.88%*	5 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	5 Year Fixed Rate Bond	2.56%	5 Years	Apply Now >
Earn 2.56% gross/AER fixed for 5 years Save from £1,000 - £250,000 Monthly and annual interest options Online savings account No withdrawals allowed Bond designed to be held for full term Must be UK resident and over 18
	Savings Maximiser 3 Year Fixed Rate Bond	2.40%*	3 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	3 Year Fixed Rate Bond	2.26%	3 Years	Apply Now >
Earn 2.26% gross/AER fixed for 3 years Save from £1,000 - £250,000 Monthly and annual interest options Online savings account No withdrawals allowed Bond designed to be held for full term Must be UK resident and over 18
	Savings Maximiser 2 Year Fixed Rate Bond	2.10%*	2 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	Savings Maximiser 1 Year Fixed Rate Bond	1.90%*	1 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	3 Year Fixed Term Deposit	1.80%	3 years	Apply Now >
Earn 1.80% gross/AER fixed for 3 years Deposits are 100% guaranteed by Santander UK plc Interest can be paid gross - subject to eligibility No withdrawals allowed during the term Minimum deposit of £50,000
	18 Month Fixed Rate Bond	1.74%	18 Months	Apply Now >
Open to new and existing customers No withdrawals or additional deposits allowed £5,000 minimum deposit
	2 Year Fixed Term Deposit	1.60%	2 years	Apply Now >
Earn 1.60% gross/AER fixed for 2 years Deposits are 100% guaranteed by Santander UK plc Interest can be paid gross - subject to eligibility No withdrawals allowed during the term Minimum deposit of £50,000
	9 Month Fixed Rate Bond	1.50%	9 Months	Apply Now >
Open to new and existing customers No withdrawals or additional deposits allowed £5,000 minimum deposit

Alternatives to Fixed Rate Bonds

Provider	Plan	Deposit Taker	Potential Return	Term	More Info
	Deposit Growth Plan	Investec Bank plc	120% x any FTSE 100 growth (no limit)	5 years	More Info >
Return of 120% x any FTSE 100 growth, no upper limit Capital protected Low minimum - £3,000 Short/medium term alternative to fixed rates Also available for Cash ISA & Cash ISA transfers 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
	6 Year Growth Deposit Bond	Cater Allen Private Bank	125% x any FTSE 100 growth (35% Cap)	6 years	More Info >
Return of 125% x any FTSE 100 growth, capped at 35% Capital protected Low minimum - £500 Medium/long term alternative to fixed rates Also available for Cash ISA & Cash ISA transfers Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Returns capped at 35% Returns not guaranteed. You may only receive a return of your original capital
	Kick Out Deposit	Investec 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 2, 3, 4 or 5 Capital protected Short/medium term alternative to fixed rates Also available for Cash ISAs & Cash ISA transfers 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 £2,000 to £1million
A safe home for your money
Guaranteed interest rates for the chosen term

Before you make your mind up about Co-operative Bank fixed rate bonds, check out other leading UK deals. Click on the link below to see competitive bonds side by side: