Tools: Best buys: Term deposit accounts
£1
| Provider | Product | Gross rate £1 | Gross AER £1 | Frequency of interest payment | Notice/penalty/charge terms on withdrawals | Apply |
|---|---|---|---|---|---|---|
| Saga | One Year Fixed Rate Savings Account | 3.5 | 3.5 | annually | na |  |
| Saga | One Year Fixed Rate Savings Account Monthly | 3.45 | 3.5 | monthly | na | |
| Virgin Money | Virgin Fixed Rate Bond Issue 1 | 3 | 3 | annually | na | |
| Virgin Money | Virgin Fixed Rate E-Bond Issue 1 | 3 | 3 | annually | na | |
| Virgin Money | Virgin Fixed Rate Bond Issue 1 Monthly | 2.96 | 3 | monthly | na | |
| Virgin Money | Virgin Fixed Rate E-Bond Issue 1 Monthly | 2.96 | 3 | monthly | na | |
| Bath Investment & Building Society | Fixed Rate Bond (Issue 11) | 2.8 | 2.8 | maturity | na | |
| Bath Investment & Building Society | Fixed Rate Bond (Issue 11) Monthly | 2.76 | 2.8 | monthly | na | |
| Nationwide Building Society | 1 Year Fixed Rate Bond | 2.65 | 2.65 | annually | na | |
| Nationwide Building Society | 1 Year Fixed Rate Bond Monthly | 2.6 | 2.63 | monthly | na | |
na = not applicable
£1,000
| Provider | Product | Gross rate £1,000 | Gross AER £1,000 | Frequency of interest payment | Notice/penalty/charge terms on withdrawals | Apply |
|---|---|---|---|---|---|---|
| Vanquis Bank Ltd | 3 Year High Yield Bond | 4.15 | 4.15 | annually | na | |
| Vanquis Bank Ltd | 3 Year High Yield Bond Monthly | 4.07 | 4.15 | monthly | na | |
| Governor Money | Saffron BS 3 Year Fixed Rate Savings | 4 | 4 | annually | na | |
| Halifax | Fixed Online Saver - 3 Year Term | 4 | 4 | annually | na | |
| Punjab National Bank (International) Ltd | 3 Year - < 4 Year Fxd Rate Deposit | 4 | 4 | maturity | na | |
| Saga | 3 Year Fixed Rate 4.00% Savings Account | 4 | 4 | annually | penalty only | |
| Saga | Internet 3 Year Fixed Rate 4.00% Savings | 4 | 4 | annually | penalty only | |
| Halifax | Fixed Online Saver - 3 Year Term Monthly | 3.93 | 4 | monthly | na | |
| Saga | 3 Year Fixed Rate 3.93% Savings Account Monthly | 3.93 | 4 | monthly | penalty only | |
| Saga | Internet 3 Year Fixed Rate 3.93% Savings Monthly | 3.93 | 4 | monthly | penalty only | |
Ordered by descending gross rate.
£5,000
| Provider | Product | Gross rate £5,000 | Gross AER £5,000 | Frequency of interest payment | Notice/penalty/charge terms on withdrawals | Apply |
|---|---|---|---|---|---|---|
| Clydesdale Bank | 5 Year Term Deposit Maturity | 4.92 | 4.5 | maturity | na | |
| Yorkshire Bank | 5 Year Term Deposit Maturity | 4.92 | 4.5 | maturity | na | |
| BM Savings | 5 Year Fixed Rate Bond | 4.65 | 4.65 | annually | penalty only | |
| Vanquis Bank Ltd | 5 Year High Yield Bond | 4.65 | 4.65 | annually | na | |
| AA | 5 Year Fixed Rate 4.60% Savings Account | 4.6 | 4.6 | annually | penalty only | |
| BM Savings | 5 Year Fixed Rate Bond Monthly | 4.55 | 4.65 | monthly | penalty only | |
| Vanquis Bank Ltd | 5 Year High Yield Bond Monthly | 4.55 | 4.65 | monthly | na | |
| Clydesdale Bank | 5 Year Term Deposit Annual Capitalisation | 4.5 | 4.5 | maturity | na | |
| Clydesdale Bank | 5 Yr Deposit Annual Captialisation & Repayment | 4.5 | 4.5 | annually | na | |
| Punjab National Bank (International) Ltd | 5 Year Fixed Rate Deposit | 4.5 | 4.5 | maturity | na | |
Ordered by descending gross rate.
