What interest rate does the United Trust Bank 3 Year Bond pay?

The United Trust Bank 3 Year Bond pays 4.85% AER, fixed for 3 years.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,527 at 4.85% 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 £5,000 and up to £1,000,000.

Can I withdraw my money?

No. Your money is locked in until the fixed term ends, so only put in what you won't need before then.

When is interest paid?

You can choose to have interest paid annually or at the end of the term.

Who can open this account?

You can open it online, by post or by phone.

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.

How does it compare with other three-year fixed rate bonds?

At 4.85% AER it ranks 22nd of 49 three-year fixed rate bonds we track. The best pays 5.20% and the average is 4.71%.

Dashboard

Fixed Rate

United Trust Bank 3 Year Bond Review

A competitive three-year fixed rate bond from United Trust Bank, with a £5,000 minimum deposit. It ranks 22nd of 49 three-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.85%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£1,000,000

Access

At maturity only

Interest paid

Annually/On maturity

How It Stacks Up

Ranks 22nd of 49

3-year fixed bonds we track

Above average

This account 4.85%

UK CPI (Aug 2026): 3.10%; Pays 1.75% more
Average 3-year fixed: 4.71%; Pays 0.14% more
Best 3-year fixed: 5.20%; Pays 0.35% less

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

Compare fixed bonds

Worth Weighing Up

Con: Your money is locked in for 3 years
Con: You need at least £5,000 to open it

Good to Know

A Nominated Bank Account must be provided when applying. It must be a transactional UK bank account in your name. Fund within 14 days of applying or the account will be closed. Joint accounts allowed (up to two people).

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Estimated returns with United Trust Bank's Fixed Rate

What you could earn with United Trust Bank's 3 Year Bond.

Estimated interest

£5,000 saved

£763

At 4.85% AER

£10,000 saved

£1,527

At 4.85% AER

£50,000 saved

£7,634

At 4.85% AER

£1,000,000 saved

£152,671

At 4.85% 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.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on United Trust Bank 3 Year Bond

Jan WatermannCo-Founder, DepositScout

United Trust Bank's 3 Year Bond pays 4.85%, which sits below the market average for fixed-rate accounts and 0.52% behind the current leader at 5.37%, so I would not call this a standout rate. That said, it does beat inflation by 1.75% against a CPI of 3.1%, which means your money is growing in real terms. The minimum deposit is £5,000 and the main catch is the hard lock-in: no access at all until maturity, so only commit money you are certain you will not need for three years. Tandem Bank's 3 Year Fixed Saver at 5.00% is worth a look first.

Compare Fixed Rate Bonds