Fixed Rate Cash ISAs
Latest Fixed Rate Cash ISA Deals
HM Treasury has set the new 2012/13 Cash ISA Allowance at £5,680.
Use our Cash ISA tables below for a selection of market leading fixed rate and alternative ideas to maximise tax free returns.
James Caldwell, Director
| Fund Manager | Account | Rate | Term | More Info |
|---|---|---|---|---|
 | 2 Year Fixed Rate Cash ISA | 3.70% | 2 Years | More Info > |
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 | 1 Year Fixed Rate Cash ISA | 3.30% | 1 Year | More Info > |
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Fixed Rate Cash ISAs
Fixed rate cash ISAs allow you to lock your tax efficient cash ISA allowance away for a fixed term, at a fixed rate. Fixed rate cash ISAs vary in term from 6 months to 5 years, and generally, the longer you are willing to lock your cash away, the higher the rate will be.
Things to look out for when choosing a Fixed Rate Cash ISA
There is a wide range of fixed rate bond ISA account deals to choose from so we have highlighted some of the features to look out for:
- Minimum ISA deposits - some fixed rate cash ISA accounts require a minimum level of funding
- Additional bonus rates - Many fixed rate cash ISA accounts offer a "Special bonus" which is paid at the end of a set period. There are often conditions attached and savers should bear in mind that once this special bonus is paid ongoing interest paid may not be competitive.
- Interest calculation method - some ISA providers will pay interest monthly and others quarterly or annually.
With interest rates at the time of writing at an all-time low the impact in real terms of inflation on your money is not to be underestimated in eroding the buying power of your hard earned cash.
You can save up to £5,640 into a fixed rate cash ISA for the 2012/13 tax year. See a selection of fixed rate cash ISAs in the table 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. 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.