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ISA 3 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Aldermore
0.70% £1,000 / No maximum

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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Help to Buy ISAs

- Split ISA allowance

- This ISA is flexible

- Additional permitted ISA subscriptions are not accepted

Withdrawals allowed subject to the loss of 180 days of interest

Further additions are allowed only within 14 days of opening the account and ISA transfer forms must be received in 10 business days.

Peterborough based Aldermore launched in 2009 and look after over £10bn of deposits.  Aldermore were bought by South Africa's FirstRand in 2018. 

Aldermore has been an ISA provider since 2010.

Close Brothers
0.70% £10,000 / £2m

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Branch
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  • Paid on Anniversary
  • Paid Annually
  • Added to the account

- Transfers in accepted from: Cash ISAs and Stocks and Shares ISAs only

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals are not permitted but early closure is allowed subject to the loss of 270 days interest.

Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £5.9bn of savings

Coventry Building Society
0.60% £1 / No Maximum

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Branch
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  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals are not permitted but the account can be closed early subject to 180 days loss of interest

Further additions allowed in the first 14 days after opening only

This product has a fixed maturity date of 31st May 2024

Coventry is the 2nd largest building society in the UK looking after over £36bn of deposits

Ford Money
0.65% £500 / £2m

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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy ISAs

- This ISA flexible and it is possible to split your allowance.

- Additional permitted ISA subscriptions are not accepted.

Withdrawals allowed subject to 180 days loss of interest.

Further additions allowed only in the 14 days after opening.

Essex based Ford Money launched in April 2017.  They have consistently offered competitive ISA rates since.

Gatehouse Bank
0.60% £1,000 / £1m

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Branch
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  • Paid Away or Compounded
  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs

- This ISA is not flexible and you will not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals are permitted but will result in a loss of 1800 days profit

Initial deposit must be received within 14 days to guarantee the rate and the account will be closed if no deposits are received within 45 days of opening.

Gatehouse launched ISAs in April 2020.  They are a Sharia bank so this account pays expected profit, rather than interest, to meet Sharia law requirements.  The Bank looks after £318m of savings.

Hodge Bank
0.60% £1,000 / No Maximum

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Branch
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  • Paid Monthly
  • Paid Annually
  • Interest paid annually is compounded. Interest paid monthly paid away.

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- Additional permitted ISA subscriptions are not accepted

Withdrawals allowed subject to the loss of 270 days of interest

Once you have funded the account, no further additions are allowed

Hodge bank is based in South Wales and was authorised in 1987 and looks after just under £1bn of deposits.

Leeds Building Society
0.65% £100 / No maximum

Branch
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Branch
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  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy ISAs

- Split ISA Allowance not permitted

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

Withdrawals can be made subject to the loss of 240 days interest

Additions can be made up to 3rd December 2020

This account has a fixed maturity date of 3rd December 2023.

Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.

Paragon Bank
0.60% £500 / £500,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- Split ISA allowance

- This ISA is flexible

- Additional permitted ISA subscriptions are not accepted

Withdrawals are permitted subject to 270 days loss of interest

Additions are only allowed within 28 days of account opening

Birmingham based Paragon launched in 2014 and now look after over £7.8bn of savings

Principality Building Society
0.60% £500 / 2£0,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

- Withdrawals are not permitted but early closure or transfer out is allowed, subject to the loss of 270 days of interest

- Once opened, savers have five business days to make their initial deposit.

Principality is the 6th largest building society in the UK, looking after £7.6bn of savings

Secure Trust Bank
0.65% £1,000 / £1m

Branch
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Branch
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  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st December

- Transfers in accepted from: Cash ISAs

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals not permitted but early closeure allowed subject to the loss of 210 days of interest

Further additions allowed for 30 days after account opening

Birmingham based Secure Trust Bank look after over £2bn of deposits.  Their products tend not to be able for long so move quickly if this rate appeals.

This bond has a fixed maturity date of 14th February 2024.

Find out more about them here: https://www.thesavings.guru/bank-directory/182-secure-trust-bank

Shawbrook Bank
0.71% £1,000 / £250,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals allowed subject to the loss of 270 days of interest

Further additions allowed while product remains open

This is the best paying 3 Year ISA account in the market from Essex based Shawbrook, who launched in 2011 and look after over £6bn of deposits.

Skipton Building Society
0.65% £500 / £1m

Branch
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Branch
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  • Paid on Anniversary
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

- Withdrawals are not permitted but early closure is allowed with the loss of 240 days interest.

- From 7 days after account opening, you can deposit up to your total ISA allowance (£20,000 for 2020/2021) and/or make a request for an ISA transfer in.  After this, the account may be closed to further deposits at any time and without notice.

Skipton is the 4th largest building society in the UK and looks after over £17bn of deposits. 

UBL
0.62% £1,000 / No maximum

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Branch
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  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually
  • Paid On Maturity
  • Paid Quarterly

- Transfers in accepted from: Cash ISAs only

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

- Withdrawals are permitted subject to the loss of 270 days interest

- Additions are not allowed, only one initial deposit is permitted

United Bank UK was formed in 2001 from the merger of two Pakistani banks.  It has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London.

United Trust Bank
0.70% £15,000 / No maximum

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Branch
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  • Paid Away or Compounded
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals prior to maturity are subject to a penalty fee - which is the amount of withdrawal x no.of days withdrawn early x interest rate divided by 365

No further additions can be made after the first 14 days of opening.

Interest can be withdrawn annually on the maturity date.

Competitive rate from London based specialist lender United Trust Bank.

Yorkshire Building Society
0.60% £100 / No max

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Branch
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  • Paid Away or Compounded
  • Paid Annually
  • Paid 30th June

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Lifetime ISAs

- Split ISA Allowance is not permitted

- This ISA is flexible and you are able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals are not permitted but early closure is allowed, subject to the loss of 180 days interest.

Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

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