ISA 5 Year Fixed | The Savings Guru

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ISA 5 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	ISA Information	ISA Access	SG Verdict
Apply Now	4.22%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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
Find out more	4.05%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	Transfers in not accepted	Earlier access on closure only subject to 360 day loss of interest.	This ISA is provided by Chetwood Bank on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.
Apply Now	4.13%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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Quarterly	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 365 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.
Apply Now	3.95%	£5,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 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
g Castle Trust Bank	4.22%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 360 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
z Close Brothers	4.21%	£10,000 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 365 days interest.	Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £6.4bn of savings You can find out more about them here
Dudley Building Society	3.85%	£100 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded	Transfers in permitted from: Cash ISAs, Stocks & Shares ISAs and Help To Buy ISAs	No withdrawal or account closure is permitted during the term unless it is an ISA transfer out. A penalty of 180 days interest will be charged for all ISA transfer out requests	Dudley looks after £446m of savings and is the 25th largest building society in the UK
Family Building Society	3.80%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 30th September	- Transfers in accepted from: Cash ISAs only - This ISA is flexible - Additional permitted ISA subscriptions are not accepted	- Earlier access on closure only subject to 365 day loss of interest in year 1, 320 day loss in year 2, 270 day loss in year 3, 225 day loss in year 4, and 180 day loss in year 5. - Additions allowed for 15 calendar days after account opening	Epsom based Family Building Society is part of National Counties Building Society, the 11th largest in the UK. It looks after over £2bn of savings.
Furness Building Society	3.90%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually Added to the account	- 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	No withdrawals are permitted but early closure is allowed subject to the loss of 180 days interest.	Furness Building Society is based in Barrow-in-Furness and was founded in 1865. It looks after £920m of savers deposits.
Hinckley & Rugby Building Society	3.98%	£500 / £300,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Annual interest paid 1st December	- 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 and transfers are permitted but with the loss of 365 days interest	Hinckley & Rugby is the 19th largest building society in the UK and looks after £693m of savings
Hodge Bank	3.91%	£1,000 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Annually Interest paid annually is compounded. Interest paid monthly paid away.	- Transfers in not accepted - 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 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.
Nationwide	4.00%	£1 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Added to the account	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - Split ISA allowance permitted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted	Withdrawals are not permitted but early closure is with the loss of 365 days interest	Nationwide are the largest building society and one of the top seven savings providers in the UK by value of deposits managed
Newcastle Building Society	3.90%	£500 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Annually Monthly interest paid the last day of the month	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs, Help to buy ISAs - 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 access is subject to 365 days loss of interest	This ISA has a fixed maturity of 14th February 2031 Newcastle is the eighth largest building society in the UK, looking after £3.4bn of savings
Paragon Bank	3.90%	£500 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 365 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
Shawbrook	3.96%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 360 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	3.85%	£500 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 £21bn of deposits.
b Zopa	3.80%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Added to the account	- Transfers in accepted from: Cash ISAs only - This ISA is flexible	Withdrawals allowed subject to the loss of 365 days of interest Further additions allowed for up to 30 days after the account is opened	Zopa started life as a peer to peer lending business in 2005 but became a licensed bank in 2019 and launched their first savings accounts in August 2020. They launched their first ISA accounts in June 2023. You can find out more about them here

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