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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
2.40% £1,000 / No maximum

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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 £13.1bn of deposits.

You can find out more about them here

 Hampshire Trust Bank
2.50% £1 / £250,000

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Additions can only be made in the first 14 days

London based Hampshire Trust Bank launched in 1977 but was acquired by a new management team in 2014 and now looks after in excess of £1.63bn of deposits

You can read more about them here

 Leeds Building Society
2.05% £100 / No maximum

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  • Paid On Maturity
  • Leeds Building Society savings accounts have been awarded the Fairer Finance Gold Ribbon (Spring 2022).
  • Take advantage of your tax-free savings allowance – this means that interest payable is exempt from income tax.
  • Enjoy the reassurance of a fixed rate of interest when you maintain a minimum balance of £100. Full terms & conditions apply.
  • Withdrawals can be made subject to the loss of 240 days interest.
  • This account is limited issue. You can deposit 2022/2023 funds up to and including 31st July 2022.
  • Please remember that withdrawals from ISA’s result in a loss of tax free status on the amount withdrawn.

This account has a fixed maturity date of 3rd August 2025

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

 United Trust Bank
2.30% £15,000 / No maximum

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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.

London based specialist lender United Trust launched in 1955 and look after £1.6bn of savings

Find out more about them here

Castle Trust Bank
2.21% £1,000 / £500,000

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  • Paid On Maturity

- Transfers in accepted from: Cash 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.

- Additional permitted ISA subscriptions are not accepted

Withdrawals allowed subject to the loss of 270 days of interest

Further additions allowed for up to 14 days after the account is opened

Castle Trust Bank was authorised in March 2020 and launched initially to existing customers only before offering fixed rate bonds in August 2021 and ISAs in September 2021

FCE Bank
2.00% £500 / £2m

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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
2.26% £1,000 / £1m

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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
2.26% £1,000 / No Maximum

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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
2.05% £100 / No maximum

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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 31st July 2022

This account has a fixed maturity date of 3rd August 2025

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

Leeds Building Society
2.75% £100 / No maximum

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  • Paid 2nd August and 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 180 days interest

Additions can be made up to 31st July 2022

This account is a 30 month fixed rate bond with a fixed maturity date of 2nd February 2025

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

OakNorth Bank
2.31% £1,000 / £500,000

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  • Paid Monthly
  • Added to the account
  • Paid 1st of the month

- Transfers in accepted from: Cash 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.

- Additional permitted ISA subscriptions are not accepted

Withdrawals allowed subject to the loss of 270 days of interest

Further additions allowed for up to 30 days after the account is opened

OakNorth launched in 2015 and offers debt and property finance to UK small and medium size enterprises.

OakNorth change their rates frequently so move quickly if this rate appeals

You can find out more about them here

Paragon Bank
2.55% £500 / £500,000

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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 £9.3bn of savings.

You can find out more about them in our banking directory here

Principality Building Society
2.40% £500 / 2£0,000

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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
2.50% £1,000 / £1m

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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

Shawbrook Bank
2.38% £1,000 / £250,000

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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

Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings

Find out more about them here

Skipton Building Society
2.00% £500 / £1m

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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 £19.4bn of deposits.  

UBL
2.36% £1,000 / No maximum

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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.

About The Savings Guru

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