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Fixed Rate Bonds

Put your money away for a fixed amount of time - with a guaranteed interest rate until your bond reaches maturity .

  • It’s not possible to add to or withdraw from this account during the term of the product.
  • Choose between a 1, 2 or 3 year Fixed Rate Bond.

    What’s the difference?

  • Open an account with a minimum balance of £1,000 and a maximum balance of £1,000,000.
  • Earn a fixed amount of interest throughout the bond term.

  • Decide exactly how you want to receive your interest - either on a monthly or an annual basis.

Compare Fixed Rate Bond interest rates

1 Year Fixed Rate Bond 2 Year Fixed Rate Bond 3 Year Fixed Rate Bond
Annually Gross 1.12% 1.18% 1.25%
Annually AER 1.12% 1.18% 1.25%
Monthly Gross 1.11% 1.17% 1.24%
Monthly AER 1.12% 1.18% 1.25%
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1 Year Fixed Rate Bond
Annually Gross 1.12%
Annually AER 1.12%
Monthly Gross 1.11%
Monthly AER 1.12%
Tell me more
2 Years Fixed Rate Bond
Annually Gross 1.18%
Annually AER 1.18%
Monthly Gross 1.17%
Monthly AER 1.18%
Tell me more
3 Years Fixed Rate Bond
Annually Gross 1.25%
Annually AER 1.25%
Monthly Gross 1.24%
Monthly AER 1.25%
Tell me more
  • The above fixed rates apply to the bonds launched on 06 September 2017 and are fixed throughout the 1, 2 or 3 year term. These are limited issue bonds and may be withdrawn without notice.

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    Help for existing customers

    Get extra information about applications, rates and accessing your savings account.

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    Co-operative Bank

    We’re part of The Co‑operative Bank, and we share the same ethical values too.

    smile, Britannia and The Co‑operative Bank are trading names of The Co‑operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).

    The Co‑operative Bank reserves the right to decline any application.

    References to tax are based on our understanding of current tax regulations - these may change and depend on the customer’s individual financial circumstances.

    You can subscribe to a smile/Co‑operative Bank/Britannia Cash ISA if you have not subscribed to another cash ISA with another provider in the current tax year.