4.40% AER
5 years
N/A
£1,000
Chetwood Bank stands out as the top choice because it offers a highly competitive rate of 4.40% AER for a 5-year fixed-rate bond, making it an attractive option for long-term savers. The account is designed for those who want guaranteed returns without the risk of fluctuating interest rates.
Pros:
- Competitive AER
- FSCS-eligible deposits
Cons:
- No early withdrawals allowed
- Minimum deposit required
4.45% AER
5 years
N/A
£50
What sets Atom Bank apart is its app-only platform, allowing users to manage their savings conveniently while offering a competitive rate of 4.45% AER. This account is ideal for tech-savvy savers looking for a straightforward way to lock in their funds.
Pros:
- App-based management
- Flexible interest payment options
Cons:
- No withdrawals until maturity
- Maximum deposit limit
4.37% AER
5 years
N/A
£1
Tandem Bank shines for its incredibly low minimum deposit requirement of just £1, making it accessible for a wide range of savers. With a fixed rate of 4.37% AER, it provides a solid option for those looking to secure their savings for five years.
Pros:
- Low minimum deposit
- App-based account management
Cons:
- No withdrawals during the term
- Interest rates subject to change
4.41% AER
5 years
N/A
£10,000
Close Brothers Savings offers a competitive fixed rate of 4.41% AER, making it a strong contender for savers looking for reliable returns. The account is designed for those who can commit a larger sum, with a minimum deposit of £10,000 required.
Pros:
- Competitive fixed rate
- Daily interest calculation
Cons:
- High minimum deposit
- No early withdrawals
4.00% AER
5 years
N/A
£1,000
AlRayan Bank provides a unique Sharia-compliant option with its 5-Year Fixed Term Deposit, offering an expected profit rate of around 4.00% AER. This account is ideal for savers looking to align their investments with ethical principles, although it comes with restrictions on withdrawals.
Pros:
- Sharia-compliant savings
- Ethical investment option
Cons:
- No withdrawals allowed
- Profit rate not guaranteed
Final Words
In conclusion, as you consider investing in a 5-year fixed rate bond this March 2026, Chetwood Bank (4.25% AER), Newcastle Building Society (4.15% AER), and others like Aldermore Bank (4.10% AER) and SmartSave (4.05% AER) present competitive options. Be sure to compare these offerings to find the best fit for your savings goals and ensure you're making the most of your investment.
Frequently Asked Questions
Atom Bank offers a 5-year fixed rate bond with an interest rate of 4.45% AER.
The minimum deposit required for the Chetwood Bank 5-year fixed rate bond is £1,000.
Tandem Bank offers a 5-year fixed rate bond at an interest rate of 4.37% AER, which is slightly lower than both Atom Bank and Chetwood Bank.
Fixed rate bonds are savings accounts that offer a fixed interest rate over a specified term. The money is typically locked away for the duration, and early withdrawals are usually not allowed.
Before investing, consider the interest rate, minimum deposit requirements, the financial stability of the provider, and your own financial situation regarding liquidity needs.
Most fixed rate bonds do not allow early withdrawals, meaning you will be committed to leaving your money untouched for the entire term.
The main advantage of a fixed rate bond is the certainty of the interest rate, which means you know exactly how much interest you will earn over the term, regardless of potential rate changes in the market.
Compare Fixed Rate Bond Rates
Summary of all rates from our fixed rate bond rate pages. Click column headers to sort.
| Provider ↕ | Rate ↓ | Term ↕ | Min Deposit | |
|---|---|---|---|---|
| Newtek Bank | 4.30% | 6 months | $2,500 | Learn more |
| Limelight Bank | 4.15% | 6 months | $1,000 | Learn more |
| Bread Savings | 4.15% | 9 months | $1,500 | Learn more |
| Northern Bank Direct | 4.15% | 3 months | $500 | Learn more |
| Synchrony Bank | 4.10% | 14 months | $0 | Learn more |
| LendingClub | 4.10% | 8 months | $500 | Learn more |
| Popular Direct | 4.05% | 1 year | $10,000 | Learn more |
| Marcus by Goldman Sachs | 4.00% | 1 year | $500 | Learn more |
| Sallie Mae Bank | 3.80% | 1 year | $2,500 | Learn more |
| Colorado Federal Savings Bank | 3.80% to 4.00% | 5 years | $5,000 | Learn more |
| Capital One 360 | 3.75% | 1 year | $0 | Learn more |
| Live Oak Bank | 3.60% | 6 months | $2,500 | Learn more |
| CFG Bank | 3.35% to 3.90% | 5 years | $500 | Learn more |
| Wells Fargo | 0.05% | 6 months | $2,500 | Learn more |
