Fixed Term ISAs

Compare fixed term ISA deals...

The phrase 'fixed term ISAs' generally refers to fixed rate or fixed term cash ISAs. These are savings accounts that allows you to earn interest without paying tax. Fixed term ISAs can help maximise your ISA savings because the longer you agree to lock your money away for, the higher the interest rate you are likely to get. In 2014-15, you can save up to £15,000 in a fixed term cash ISA.

See the table below for leading fixed term ISA deals currently available:

Fixed Rate Cash ISAs
ProviderAccountInterest RateTermApply

1.20%

per annum

3 YearApply Now >
1.20% gross/AER fixed for 3 years. £1,000 minimum opening balance. Withdraw cash early if you need to (subject to loss of interest).

1.15%

per annum

2 YearApply Now >
1.15% gross/AER fixed for 2 years. £1,000 minimum opening balance. Withdraw cash early if you need to (subject to loss of interest).

0.95%

per annum

1 YearApply Now >
0.95% gross/AER fixed for 1 year. £1,000 minimum opening balance. Withdraw cash early if you need to (subject to loss of interest).
Structured deposits and structured investments are also fixed term ISAs but the defined level of return offered may not be guaranteed and capital may be at risk, depending on the nature of the plan.

See the tables below to compare structured ISA options, including plans providing a level of income or plans aiming for growth:
Structured Income ISAs
 Product NameISA OptionIncome YieldMore Info
FTSE 100 Enhanced Income Planyes

5.04%

fixed income

More Info >
TAX FREE FIXED INCOME: 6 year investment plan paying a fixed monthly income of 0.42% (equivalent to 5.04% annually). Available as a Stocks & Shares ISA, non-ISA investment and ISA transfer.
FTSE Contingent Income Planyes

8.25%

per annum

More Info >
Maximum 10 year structured investment plan paying a potential quarterly income of 2.0625% (equivalent to 8.25% annually) and the opportunity to mature early from year 2 onwards. Also available as a Stocks & Shares ISA investment and ISA transfer.
FTSE Contingent Income Planyes

6.56%

per annum

More Info >
A maximum 6 year investment plan paying a potential quarterly income of 1.64% (equivalent to 6.56% per year) and the opportunity to mature early. Also available for Stocks & Shares ISA and ISA transfer.
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Structured Growth ISAs
 Product NameISA OptionMaximum Potential ReturnTermMore Info
FTSE 100 Enhanced Kick Out Planyes

10%

per annum

Up to
6 years
More Info >
Structured investment plan with the potential to mature after years 1, 2, 3, 4, 5 or 6. If the plan matures early it will return 10% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Defensive Kick-Out Planyes

7.75%

per annum

Up to
6 years
More Info >
Structured investment plan with the potential to mature after years 3, 4, 5 or 6. If the plan matures early it will return 7.75% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
Kick Out Deposit Planyes

3%

per annum

Up to
6 years
More Info >
Capital protected deposit plan with the potential to mature after years 3, 4, 5 and 6. If the plan matures early it will return 3% times the number of years the plan has been in force. Also available for Cash ISA and ISA transfer.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested.

Investments in Stocks & Shares ISAs do not contain the same degree of capital security as investments in deposits. Stocks and shares ISAs are designed as medium to long term investments of, for example, five years or more. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.