HomeFinanceTop 20 Best Fixed Rate Bonds in the UK

Top 20 Best Fixed Rate Bonds in the UK

Are you on the hunt for the best fixed rate bonds in the UK? Your search ends here! We have curated a list of the finest 20 fixed rate bonds that boast attractive interest rates and guaranteed returns. Whether you prefer a brief investment or a lasting savings plan, these bonds cater to all needs. So take a seat, unwind, and uncover the perfect spot to invest with peace of mind. Let’s make your money work smarter rather than harder!

Top 20 Best Fixed Rate Bonds in the UK

Best One Year Fixed Rate Bonds

When it comes to short-term investments, one year fixed rate bonds are an excellent choice. They offer a guaranteed interest rate for the duration of the investment, providing peace of mind and stability. So, which are the best options out there? Here are some of the best one year fixed rate bonds available:

1. Nationwide Fixed Rate Online Bond

Nationwide Fixed Rate Online Bond

Nationwide Fixed Rate Online Bond emerges as a top contender in the realm of one-year fixed-rate bonds. Boasting an impressive interest rate of 4.90% AER (Annual Equivalent Rate), this financial instrument stands out for its competitive returns over a relatively short term. Investors seeking stability and a reliable income stream will find solace in the Nationwide Fixed Rate Online Bond, as it offers a fixed interest rate for a one-year duration, shielding your investment from the fluctuations that may affect other forms of financial assets.

  • Fixed interest rate: 90% AER for one year
  • Minimum deposit: £1
  • Maximum deposit: £5 million

Apply Link: www.nationwide.co.uk/savings/fixed-rate-online-bond/

2. Barclays 1-year Fixed-rate Bond

Barclays 1-year Fixed-rate Bond

Barclays’ 1-Year Fixed-Rate Bond is an attractive option. With a competitive interest rate of 4.85% AER (Annual Equivalent Rate), this financial product offers a fixed return on investment for the entire one-year term. The AER takes into account the compounding of interest over the specified period, providing a more accurate representation of the potential earnings.

As a well-respected financial institution, Barclays instills confidence in investors and is a top pick for safeguarding their funds. With a fixed rate, this bond offers peace of mind and allows for easy future planning, making it an attractive choice for those seeking consistent returns within a shorter duration.

  • Interest rate: 85% AER
  • Minimum deposit: £500
  • Maximum deposit: £1 million

Apply Link: www.barclays.co.uk/savings/bonds/1-year-fixed-rate-savings-bond/

3. Lloyds Bank Online Fixed Bonds

Lloyds Bank Online Fixed Bonds

Investors seeking stability and attractive returns often turn to fixed-rate bonds, and one standout option in the market is Lloyds Bank’s Online Fixed Bonds. With an impressive interest rate of 4.60% AER (Annual Equivalent Rate), these one-year fixed-rate bonds offer a compelling opportunity for individuals looking to maximize their savings over a short-term horizon. Lloyds Bank is a reputable financial institution that provides a secure and user-friendly online platform for people to manage and monitor their investments in this fixed-rate bond.

  • Interest rate: 60% AER
  • Minimum deposit: £2000
  • Maximum deposit: £1 million

Apply Link: https://www.lloydsbank.com/savings/online-fixed-bonds.html

4. Yorkshire Building Society Fixed Rate eBond

Yorkshire Building Society Fixed Rate eBond

The Yorkshire Building Society Fixed Rate eBond stands out as an excellent option. With an impressive interest rate of 5.10% AER (Annual Equivalent Rate), this one-year fixed-rate bond offers a competitive return on your investment. The Yorkshire Building Society is renowned for their financial stability and commitment to people’s satisfaction, making their Fixed Rate eBond a trustworthy choice for people who need a short-term investment solution.

  • Interest rate: 10% AER
  • Minimum deposit: £1,000
  • Maximum deposit: £2 million

Apply Link: https://www.ybs.co.uk/savings/product?id=YB271796W

5. Shawbrook 1 Year Fixed Rate Bond

Shawbrook 1 Year Fixed Rate Bond

Shawbrook 1 Year Fixed Rate Bond comes with an impressive interest rate of 5.20% AER (Annual Equivalent Rate). This financial product stands out in the market for its competitive returns. Because this bond has a fixed rate, investors may be sure they will receive a predictable return on their investment over the course of a year.

Those who want to protect their money from the swings that are frequently connected to other kinds of investments may find this steadiness especially alluring. Additionally, investors looking for a safe and profitable investment option will find this 1-year fixed rate bond appealing due to Shawbrook’s dedication to openness and dependability.

  • Interest rate: 20% AER
  • Minimum deposit: £1,000
  • Maximum deposit: £2 million

Apply Link: https://www.shawbrook.co.uk/direct/savings/personal-savings/fixed-rate-bonds/1-year-fixed-rate/

Best Two Year Fixed Rate Bond

A two-year fixed-rate bond is a financial product that offers a fixed interest rate for a period of two years. It is a type of savings account where you deposit a specific amount of money for the duration of the bond, and in return, you receive regular interest payments at a fixed rate.

6. Hargreaves Lansdown 2 Year Fixed Rate Bonds

Hargreaves Lansdown 2 Year Fixed Rate Bonds

Hargreaves Lansdown is a reputable financial institution known for its expertise in investment management. Their 2-year fixed rate bonds provide a stable and secure way to grow your savings over a shorter time frame.

With a fixed interest rate of 5.20% AER, you can rest assured that your money will be working hard for you throughout the one-year term. Whether you’re saving for a specific goal or simply looking to maximize your returns, Hargreaves Lansdown’s 2-year fixed rate bonds can be an excellent choice. ​

  • Interest rate: 20% AER
  • Minimum deposit: £1
  • Maximum deposit: £1 million

Apply Link: https://www.hl.co.uk/savings/savings-account/fixed-rate/2-year-fixed-rate-bond

7. Leed Building Society 2 Year Fixed Rate Bonds

Leed Building Society 2 Year Fixed Rate Bonds

Leed Building Society is one of the trusted financial institutions renowned for its customer-centric approach and commitment to providing excellent service. Their 2-year fixed rate bonds combine the stability of fixed-rate investments with a competitive interest rate.

By locking in your funds for two years at a rate of 4.80% AER, you can enjoy the certainty of knowing exactly how much interest you will earn on your savings. Whether you’re saving for a specific milestone or seeking to maximize your returns, Leed Building Society’s 2-year fixed rate bonds provide a reliable option with a solid return on investment.

  • Interest rate: 80% AER
  • Minimum deposit: £100
  • Maximum deposit: £2 million

Apply Link: https://www.leedsbuildingsociety.co.uk/savings/fixed-rate-bonds/2-year-fixed-rate-bond/

8. Principality Building Society 2 Year Fixed Rate Bonds

Principality Building Society 2 Year Fixed Rate Bonds

Principality Building Society is a well-established financial institution known for their commitment to customer satisfaction. With their 2-year fixed rate bonds, you can enjoy the benefits of a fixed interest rate combined with a competitive return on your investment.
At an interest rate of 5.00% AER, your savings will grow steadily over the term of the bond. Whether you have a specific financial goal in mind or simply want to make the most of your savings, Principality Building Society’s 2-year fixed rate bonds provide a reliable and attractive option.

  • Interest rate: 0% AER
  • Minimum deposit: £500
  • Maximum deposit: £2 million

Apply Link: https://www.principality.co.uk/en/savings-accounts/fixed-term-savings-and-bonds/2-year-fixed-rate-bond/

9. Vanquis 2 Year Fixed Rate Bonds

Vanquis 2 Year Fixed Rate Bonds

Vanquis is a reputable financial institution known for its commitment to providing flexible and reliable products. Their 2-year fixed rate bonds combine the security of a fixed interest rate with a competitive return on investment. With an interest rate of 5.10% AER, your savings will steadily grow over the course of two years.

Whether you’re saving for a specific goal or simply looking to maximize your returns, Vanquis’ 2-year fixed rate bonds provide a trustworthy option. Don’t miss out on the chance to secure a solid return on your investment with a trusted financial provider like Vanquis.

  • Interest rate: 10% AER
  • Minimum deposit: £1000
  • Maximum deposit: £85,000

Apply Link: https://www.vanquissavings.co.uk/2-year-fixed-rate-bonds/

10. Skipton Building Society 2 Year Fixed Rate Bonds

Skipton Building Society 2 Year Fixed Rate Bonds

Skipton Building Society is a trusted and well-established financial institution known for its commitment to customer satisfaction and reliable financial products. By opting for Skipton Building Society’s 2-year fixed rate bonds, you can enjoy the security of a fixed interest rate along with the opportunity to grow your savings over the two-year term.

With an interest rate of 4.80% AER, you can be confident in the consistent return on your investment. Whether you have a specific savings goal in mind or simply want to maximize your returns, Skipton Building Society’s 2-year fixed rate bonds offer a reliable and attractive option.

  • Interest rate: 80% AER
  • Minimum deposit: £500
  • Maximum deposit: £1 million

Apply Link: https://www.skipton.co.uk/savings/fixed-rate-bonds/2-year-fixed-rate-bond

Best Three Year Fixed Rate Bonds

A three-year fixed-rate bond is a financial product that offers a fixed interest rate for a period of three years. It is a type of savings account where you deposit a specified amount of money for the duration of the bond and, in return, receive regular interest payments at a fixed rate. Let’s see the best fixed rate bonds with three year terms.

11. TSB Fixed Rate Bonds

TSB Fixed Rate Bonds

TSB’s fixed rate bonds are worth considering, offering a competitive interest rate of 4.80% AER. By choosing TSB’s three-year fixed rate bonds, you can enjoy the stability of a fixed interest rate while earning a solid return on your investment.

With an interest rate of 4.80% AER, your savings will grow steadily over the three-year term. Whether you have specific financial goals or simply want to maximize your returns, TSB’s fixed rate bonds offer a reliable and attractive option.

It’s essential to consider that once you invest in a fixed-rate bond, your funds are typically tied up for the duration of the two-year term. Early withdrawal may result in penalties or loss of accrued interest.

  • Interest rate: 80% AER
  • Minimum deposit: £1
  • Maximum deposit: £1 million

Apply Link: https://www.tsb.co.uk/savings/fixed-bonds/

12. Post Office Online Bond

Post Office Online Bond

With the Post Office Online Bond, you can enjoy the stability of a fixed interest rate while earning a solid return on your investment over three years. With an interest rate of 4.60% AER, your savings will steadily grow during the term of the bond. Whether you have specific financial goals or simply want to maximize your returns, the Post Office Online Bond provides a trusted and attractive option.

It’s important to note that investing in a three-year fixed-rate bond typically means committing your funds for the duration of the term. Early withdrawal may result in penalties or loss of accrued interest.

  • Interest rate: 60% AER
  • Minimum deposit: £500
  • Maximum deposit: £2 million

Apply Link: https://www.postoffice.co.uk/savings-accounts/all-about-bonds

13. Shawbrook 3 Year Fixed Rate Bond

Shawbrook 3 Year Fixed Rate Bond

When it comes to the best three-year fixed-rate bonds, Shawbrook’s 3 Year Fixed Rate Bond stands out with an attractive interest rate of 4.85% AER. Shawbrook is a reputable financial institution known for its commitment to customer satisfaction and providing competitive financial products.

By opting for Shawbrook’s 3 Year Fixed Rate Bond, you can enjoy the stability of a fixed interest rate along with the opportunity to grow your savings over the three-year term. With an interest rate of 4.85% AER, your investment will steadily accumulate over the duration of the bond. Whether you have specific financial goals or want to maximize your returns, Shawbrook’s 3 Year Fixed Rate Bond offers a reliable and attractive option.

  • Interest rate: 85% AER
  • Minimum deposit: £1000
  • Maximum deposit: £2 million

Apply Link: https://www.shawbrook.co.uk/direct/savings/personal-savings/fixed-rate-bonds/3-year-fixed-rate/

14. Hargreaves Lansdown 3 Year Fixed Rate Bonds

Hargreaves Lansdown 3 Year Fixed Rate Bonds

Hargreaves Lansdown’s 3-year fixed-rate bonds are one of the top choices, offering an impressive interest rate of 4.95% AER. By opting for Hargreaves Lansdown’s 3-year fixed-rate bonds, you can enjoy the stability of a fixed interest rate while earning a competitive return on your investment.

With an interest rate of 4.95% AER, your savings will steadily grow over the duration of the bond. Whether you have specific financial goals in mind or simply want to maximize your returns, Hargreaves Lansdown’s 3-year fixed-rate bonds offer a reliable and attractive option.

  • Interest rate: 95% AER
  • Minimum deposit: £1
  • Maximum deposit: £1 million

Apply Link: https://www.hl.co.uk/savings/savings-account/fixed-rate/3-year-fixed-rate-bond

15. Hinckley and Rugby Building Society 3 Year Fixed Rate Bond

Hinckley and Rugby Building Society 3 Year Fixed Rate Bond

Hinckley and Rugby Building Society three-year fixed rate bond is a testament to their dedication. With an aim to provide competitive returns, Hinckley and Rugby Building Society ensures that your money works hard for you, helping you achieve your financial goals.

One of the major advantages of the Hinckley and Rugby Building Society’s bond is its attractive interest rate of 4.85% AER. Locking at this rate for three years provides you with a stable income stream and shields you from market fluctuations. With this fixed term security, you can confidently plan for the future, knowing that your interest rate will remain unchanged regardless of economic conditions.

  • Interest rate: 95% AER
  • Minimum deposit: £5000
  • Maximum deposit: £1 million

Apply Link: https://www.hrbs.co.uk/savings-products/3-year-fixed-rate-bond-issue-11/

Best Five Year Fixed Rate Bond

A five-year fixed rate bond is a type of financial investment instrument that offers a fixed interest rate over a period of five years. It is considered a long-term investment option and provides stability and predictability in terms of returns.

When you invest in a five-year fixed rate bond, you agree to lend a specific amount of money to the issuing institution for a fixed period of five years. In return, the institution agrees to pay you a predetermined interest rate on your investment throughout the term. Let’s see the top best fixed rate bonds in five year term.

16. Shepherds Friendly 5 Year Fixed Rate Bond

Shepherds Friendly 5 Year Fixed Rate Bond

When it comes to investing money, fixed rate bonds are often one of the most popular choices for individuals looking to earn a consistent return. One such option worth considering is the Shepherds Friendly 5 year fixed rate bond. With an impressive interest rate of 4.70% AER (Annual Equivalent Rate), this bond offers a competitive return on your investment over a five-year period.

The key advantage of the Shepherds Friendly 5 year fixed rate bond is its stability. By locking in your money for a fixed duration, you can enjoy the peace of mind that comes with knowing exactly how much interest you will earn over the five-year term. This can be particularly appealing for those who prefer a predictable income or want to meet specific financial goals within a set timeframe.

  • Interest rate: 70% AER
  • Minimum deposit: £1000
  • Maximum deposit: £125,000

Apply Link: https://www.shepherdsfriendly.co.uk/5-year-fixed-rate-bond/

17. Hargreaves Lansdown 5 Year Fixed Rate Bonds

Hargreaves Lansdown 5 Year Fixed Rate Bonds

Hargreaves Lansdown is a well-known name in the financial industry, offering a range of investment options to suit different needs. For those looking for a long-term fixed rate bond, their 5 Year Fixed Rate Bonds are worth considering.

With Hargreaves Lansdown 5 Year Fixed Rate Bonds, you can enjoy the security and stability of a fixed interest rate for the duration of your investment. This means that regardless of any fluctuations in the market or interest rates, you can rest assured knowing exactly what return you will receive on your investment.

  • Interest rate: 70% AER
  • Minimum deposit: £1
  • Maximum deposit: £1 million

Apply Link: https://www.hl.co.uk/savings/savings-account/fixed-rate/5-year-fixed-rate-bond

18. The Cambridge Building Society 5 Year Fixed Rate Bond

The Cambridge Building Society 5 Year Fixed Rate Bond

Consider the appealing opportunity presented by The Cambridge Building Society for individuals seeking to invest in a 5-year fixed-rate bond. With its competitive interest rates and adaptable terms, this bond is certainly worth exploring.

By choosing The Cambridge Building Society’s 5-Year Fixed Rate Bond, you can rest assured that your investment is well-protected. The society boasts a robust reputation, having served customers diligently for numerous years.

A notable benefit of this bond lies in its fixed-rate characteristic, ensuring that the interest rate remains consistent throughout the entire bond duration. This stability and predictability enhance the appeal of the investment for discerning investors.

  • Interest rate: 70% AER
  • Minimum deposit: £1000
  • Maximum deposit: £2 million

Apply Link: www.cambridgebs.co.uk/savings/bonds

19. Paragon 5 Year Fixed Rate Bond

Paragon 5 Year Fixed Rate Bond

For individuals seeking to safeguard their savings for an extended period, The Paragon 5 Year Fixed Rate Bond offers a top choice. With a stable interest rate spanning five years, you can trust in the steady and reliable growth of your funds.

The unique feature of the Paragon 5 Year Fixed Rate Bond is its competitive interest rates. With a commitment of five years, investors can enjoy greater returns compared to bonds with shorter durations. This makes it an appealing option for people who needs to maximize their investment’s potential growth.

  • Interest rate: 55% AER
  • Minimum deposit: £1000
  • Maximum deposit: £500,000

Apply Link: https://www.paragonbank.co.uk/savings/five-year-fixed-rate

20. Vanquis 5 Year Fixed Rate Bonds

Vanquis 5 Year Fixed Rate Bonds

Vanquis Bank is renowned for its commitment to delivering competitive rates and exceptional customer service, and their 5 Year Fixed Rate Bonds exemplify this dedication. Opting for this product ensures the assurance that your funds will accrue interest at a fixed rate throughout the entire bond duration.

Why choose Vanquis? Setting themselves apart from other banks, their unwavering commitment to customer satisfaction distinguishes them. Recognizing that investing your hard-earned money is a significant decision, they prioritize making the process clear and transparent.

With Vanquis 5 Year Fixed Rate Bonds, you retain the flexibility to determine the amount you wish to invest. Whether a modest sum or a substantial investment, these bonds empower you to optimize your returns over time.

  • Interest rate: 5% AER
  • Minimum deposit: £1000
  • Maximum deposit: £85,000

Apply Link: https://www.vanquissavings.co.uk/5-year-fixed-rate-bonds/

Conclusion

In this article, we have explored some of the best fixed rate bonds available in the UK. These bonds offer a reliable and secure way to grow your savings over a specific period of time with guaranteed returns.

When choosing a fixed rate bond, consider things like interest rates, accessibility, minimum deposit needs, and any early withdrawal fees or restrictions. It’s always a good idea to do your homework well or consult a financial counselor before investing your hard-earned cash.

Remember that there are also risks involved with fixed-rate bond investing like inflation gradually decreasing the value of your money. As such, in addition to these fixed rate bonds, you should diversify your investment choices by looking at other investing opportunities.

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