A five-year fixed rate bond from Charity Bank. It ranks 37th of 40 five-year fixed rate bonds we track.
Fixed rate · 5 years
4.06%AER
Min balance
£0
Max balance
No limit
Access
At maturity only
Ranks 37th of 40
5-year fixed bonds we track
Inflation: ONS. Averages and best rates: accounts on DepositScout.
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See all Charity Bank accountsWhat you could earn with Charity Bank's Ethical 5-Year Fixed Rate Account.
Estimated interest
£1,000 saved
£220
At 4.06% AER
£5,000 saved
£1,101
At 4.06% AER
£10,000 saved
£2,202
At 4.06% AER
£50,000 saved
£11,008
At 4.06% AER
Estimated over the 60-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.
Charity Bank's Ethical 5-Year Fixed Rate Account pays 4.06%, which will appeal to savers who want their money to fund social and charitable lending rather than simply chasing the highest return. That ethical angle is the real draw here, because at 4.06% the rate sits below the market average for fixed-rate accounts and is 1.31% behind the category leader at 5.37%, so you are giving something up. The rate does beat August 2026 CPI of 3.1% by 0.96%, which at least preserves real value. The main catch is that your money is locked away for five years with no access until maturity.
Same type of account, closest on rate.
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