skip to main content
Cash ISAs / Fixed Rate Cash ISAs /

5 Year Fixed Rate ISA

Fixed Rate Cash ISAs

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.35%
  • Term: 1 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

1 Year Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.25%
  • Term: 1 Year
  • Minimum deposit £500
  • Interest can be paid monthly or annually
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply
  • Early withdrawals subject to term breakage charge

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

18 Month Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.40%
  • Term: 18 Months
  • Minimum deposit £500
  • Interest can be paid monthly or annually
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply
  • Early withdrawals subject to term breakage charge

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.45%
  • Term: 2 Years
  • Minimum deposit £500
  • Interest can be paid monthly or annually.
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply
  • Early withdrawals subject to term breakage charge

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.35%
  • Term: 2 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.65%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

3 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.42%
  • Term: 3 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.75%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.75% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

5 Year Fixed Rate ISA

With a 5 year fixed rate ISA savers know exactly how much they stand to earn from interest accumulation, in return for locking their cash into the account for a 60 month period.

How do 5 year fixed rate ISAs work?

Like most fixed rate ISAs with a 5 year option you are required to lock your money into the account for that time frame. Over the 5 year period of the account the interest rate paid upon it will be fixed, so it is possible to tell exactly how much you will earn.

Locking your savings into a fixed rate is also a way savers can try to protect themselves from interest rates falling in the future, however if interest rates rise there is the risk that their interest rate will become uncompetitive.

How interest is calculated upon fixed rate accounts can vary by provider, some will do pay interest monthly while others may do so quarterly or annually.

Some fixed rate ISA permit early full or partial withdrawals, however these are normally subject to a penalty based upon a set amount of days worth of interest accumulation. This means that savers could actually get back less than they originally deposited in the account.

Fixed rate accounts commonly have a minimum amount that must be deposited in order to open, or transfer into, the account.

Other ISAs

Fixed Rate ISAs are also available for other time spans such as; 1, 2 and 3 year products. As a general rule the longer the account requires money to be locked into the ISA for the better the rate of interest offered.

Other types of Cash ISA include Instant access plans. These types of ISA usually allow the account holder to make unlimited free withdrawals from the account, without having to pay an interest penalty. They usually however offer a variable interest rate rather than a fixed one.

Before you take out a Cash ISA

ISA rules only permit each eligible person to open up to one Cash ISA in each tax year (although it may be possible to transfer an ISA). This means it’s a good idea to shop around to try and find a product that fits with how you want to save. You can use the tables on this website to view a selection of different types of ISA from various providers and follow the links to find out more or apply. 

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How inflation is impacting your savings and why you cannot afford to sit on your hands when it comes to your cash

11th December 2017

Last month, the Bank of England raised their base rate for the first time in more than ten years, and by doing so opened the door to increased monthly costs for many homeowners. What’s more, at the time of writing inflation continues to sit at a five year high of 3%, which means that the cost of living has more than trebled in the last 12 months.

Newsletter Signup

Sign up to our Newsletter to get exclusive news and offers direct to your inbox.

About us

ISA.co.uk is a trading style of Fair Investment Company.

We've been comparing and recommending ISAs for many years so you can trust you're in good hands.

About us

4.89 Average

35 Reviews

Paul

Very informative, find myself a good ISA account with best return in terms of interest.

Anonymous

Easy to navigate, all required information was to hand. Professional looking site!

Jessica Esa

ISA.co.uk has a really attractive and simplistic design. I've found it easier to use than other similar comparison sites. The products are simply described, it's informative and the pros and cons are really clear. Great website.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Rob Holden

The website was very useful and informative.

Andrew Johnson

ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs

Crowd2Fund

Excellent website - clear and helpful information about different products - and a trustworthy partner.

Anonymous

Quick and professional service provided

Anonymous

Very insightful and easy to navigate.. would recommend to anyone interested

Helen Belcher

Clear concise information that was easy to understand!