FirstSave Fixed Rate Bonds

Compare Fixed Rate Bonds From Different Providers

FirstSave fixed rate bonds offer competitive returns on your savings in return for locking your money away - and you don't even have to lock it away for long.  We don't currently offer FirstSave fixed rate bonds, but there's a wide range of other deals to choose from in our comparison tables, so whether you're looking for short or long term savings, see below to find the right fixed rate bond for you:

ProviderAccountInterest RateTermApply

2.50%

per annum

£1,000More Info >
Earn 2.50% 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. FSCS Protected

2.25%

per annum

£1,000More Info >
Earn 2.25% 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. FSCS Protected

2.20%

per annum

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

1.90%

per annum

£5,000More Info >
Earn 1.90% fixed interest - 2 year term - Minimum deposit £5,000 - No withdrawals permitted. FSCS Protected

1.85%

per annum

£500More Info >
Earn 1.85% fixed interest. 30 month term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

1.70%

per annum

£500More Info >
Earn 1.70% fixed interest. 18 month term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

1.70%

per annum

£5,000More Info >
Earn 1.70% fixed interest - 1 year term - Save from £5,000 to £500,000 - No additional deposits or withdrawals permitted -FSCS Protected

1.65%

per annum

£500More Info >
Earn 1.65% fixed interest. 15 month term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected
1.42%3 YearMore Info >
1.42% gross/AER fixed for 3 years. £500 minimum opening balance. Withdraw cash early if you need to (subject to loss of interest).
1.32%2 YearMore Info >
1.32% gross/AER fixed for 2 years. £500 minimum opening balance. Withdraw cash early if you need to (subject to loss of interest).
1.25%Instant accessMore Info >
MARKET LEADING. 1.25% AER Gross (variable). Open with £1. A simple instant access savings account. Manage your account online, by telephone banking or via our mobile app. You'll need to be 18 or over and a UK resident
1.22%1 YearMore Info >
1.22% gross/AER fixed for 1 year. £500 minimum opening balance. Withdraw cash early if you need to (subject to loss of interest).
1.20%Instant AccessMore Info >
Earn 1.20% 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.
0.95%Easy AccessMore Info >
Earn 0.95% tax free/AER variable. Open with £100. Unlimited free withdrawals. Transfer in ISAs held elsewhere - no limit
0.75%Easy AccessMore Info >
0.75% gross/AER on balances from £1,000 to £1 million. Guaranteed to be at least 0.50% above Base Rate** until 31st December 2017. Unlimited withdrawals without restriction or loss of interest.
0.50%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 0.50% AER on ALL instant access savings balances, and 0.25% AER on current account balances up to £2,000. No monthly account fee
Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest RateTermApply
1.20%Instant AccessApply Now >
Earn 1.20% 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.
Medium Term Fixed Rate Bonds (3-4 years)
ProviderAccountInterest RateTermApply

2.20%

per annum

£1,000Apply Now >
Earn 2.20% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. FSCS Protected
Long Term Fixed Rate Bonds (4+ years)
ProviderAccountInterest RateTermApply

2.50%

per annum

£1,000Apply Now >
Earn 2.50% 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. FSCS Protected
Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
4 Year Deposit PlanInvestec Bank plc

14%

at end of term

4 yearsMore Info >
  • 14% 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
Kick Out Deposit PlanInvestec Bank plc

4%

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
  • 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.

 Features of FirstSave fixed rate bonds include:

  • A choice of terms to suit your needs
  • Minimum investment of £1,000
  • Minimum investment of £1,000 to get your interest paid annually
  • Minimum investment of £5,000 to get your interest paid monthly
  • Available for terms of 1 and 7 years
  • No withdrawals permitted until bond reaches maturity

 

With most fixed rate bonds you will lose easy access to the money you deposited, once you open the account, until the bond term ends. Because of this it is worth shopping around beforehand to make sure you are getting the best deal for you. You may also want to look into other types of investment as well.

 

  • Tracker bonds – This bond differs from fixed rate, instead of the interest state staying consistent over the course of the bond. It is linked to the Bank of England’s Base Rate; therefore if any changes are made to the base rate the rate of interest you will receive to reflect this. This means you could end up with a better or worse rate of interest on your bond.

 

  • Structured Deposits – Structured deposits normally offer higher potential interest rates than bonds, but you are not guaranteed to receive any interest payments, there is a risk you will only get your original deposit back at the end of the term. This is because structured deposits are normally linked to a share index or indices, like the FTSE 100. Getting an interest payment from this type of plan depends on if the index the plan is tied to perform in the way set out in the structure deposit. Because you risk earning no interest with this type of plan you should carefully evaluate if it is right for you before you take one out

 

  • Savings Account – Savings account may be better suited for people who think they may need sudden access to their savings. Although they normally offer worse rates of interest than deposits or bonds they do allow you easy access to your funds should you ever need them.