What interest rate does the Ford Money Fixed Cash ISA 3 Year pay?

The Ford Money Fixed Cash ISA 3 Year pays 4.15% AER fixed.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,297 at 4.15% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £500 and up to £20,000.

Can I withdraw my money?

No. Withdrawals aren't allowed until the account matures.

When is interest paid?

Interest is paid annually or monthly.

Who can open this account?

New and existing Ford Money customers can open it. You can open it online.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

Can I transfer an existing ISA in?

Yes, transfers in from other ISAs are accepted.

How does it compare with other three-year cash ISAs?

At 4.15% AER it ranks 31st of 33 three-year cash ISAs we track. The best pays 5.13% and the average is 4.68%.

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Cash ISA Compare 3 Year Fixed Rate Cash ISAs

Ford Money Fixed Cash ISA 3 Year Review

A three-year cash ISA from Ford Money. It ranks 31st of 33 three-year cash ISAs we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.15%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£20,000

Access

At maturity only

Interest paid

Annually or Monthly

Transfers in

Accepted

How It Stacks Up

Ranks 31st of 33

3-year cash ISAs we track

Well below average

This account 4.15%

UK CPI (Aug 2026): 3.10%; Pays 1.05% more
Average 3-year cash ISA: 4.68%; Pays 0.53% less
Best 3-year cash ISA: 5.13%; Pays 0.98% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 3 years

Good to Know

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Estimated returns with Ford Money's Cash ISA

What you could earn with Ford Money's Fixed Cash ISA 3 Year.

Estimated interest

£1,000 saved

£130

At 4.15% AER

£5,000 saved

£649

At 4.15% AER

£10,000 saved

£1,297

At 4.15% AER

£20,000 saved

£2,595

At 4.15% AER

Estimated over the 36-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Ford Money Fixed Cash ISA 3 Year

Jonny PeaseCo-Founder, DepositScout

Ford Money's Fixed Cash ISA locks your money away for three years with no access until maturity, so this suits someone who is certain they will not need the funds in that window. At 4.15%, the rate does beat August 2026 CPI of 3.1% by 1.05%, but it sits below the Cash ISA market average and trails the category leader by 1.10%, with the best available at 5.25%. The £20,000 maximum also caps what you can hold here. If you want a three-year fix, Hampshire Trust Bank's 3 Year Online ISA Fixed Saver at 4.83% is worth a look first.

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