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5 Year Fixed Rate ISA

Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.70%
  • Term: 3 Years

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

  • £1,000 minimum opening balance

Calculate your interest with this plan

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

3 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 1.63%
  • 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)

2 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 1.63%
  • 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)

1 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 1.63%
  • Term: 1 Year


  • 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) 1.60%
  • Term: 2 Year

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

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.45%
  • Term: 1 Year

Open a 1 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return. 

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 much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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