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

The United Trust Bank Cash ISA 3 Year Bond pays 4.90% AER fixed.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,543 at 4.90% 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. Withdrawals aren't allowed until the account matures.

When is interest paid?

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

Who can open this account?

New and existing United Trust Bank customers can open it. 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.

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 4.90% AER it ranks 9th of 30 three-year cash ISAs we track. The best pays 5.13% and the average is 4.65%.

Dashboard

Cash ISA

United Trust Bank Cash ISA 3 Year Bond Review

A competitive three-year cash ISA from United Trust Bank, with a £5,000 minimum deposit. It ranks 9th of 30 three-year cash ISAs we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.90%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

Transfers in

Accepted

How It Stacks Up

Ranks 9th of 30

3-year cash ISAs we track

Above average

This account 4.90%

UK CPI (Aug 2026): 3.10%; Pays 1.80% more
Average 3-year cash ISA: 4.65%; Pays 0.25% more
Best 3-year cash ISA: 5.13%; Pays 0.23% less

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

Compare cash ISAs

A Good Fit For

Pro: New and existing savers

Worth Weighing Up

Con: Your money is locked in for 3 years
Con: You need at least £5,000 to open it
Con: Not flexible: money you withdraw can't be replaced without using more allowance

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.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with United Trust Bank's Cash ISA

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

Estimated interest

£5,000 saved

£772

At 4.9% AER

£10,000 saved

£1,543

At 4.9% AER

£50,000 saved

£7,716

At 4.9% AER

£1,000,000 saved

£154,321

At 4.9% 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 United Trust Bank Cash ISA 3 Year Bond

Jan WatermannCo-Founder, DepositScout

This three-year fixed Cash ISA at 4.90% sits above the market average for Cash ISAs, though it trails the category leader by 0.35%, who pays 5.25%. It beats August 2026 CPI of 3.1% by 1.80%, so your money does grow in real terms. The minimum is £5,000 and there is no access until maturity, which is the main catch for anyone who might need funds before then. Kent Reliance's three-year fixed rate Cash ISA at 4.97% is worth a look if you want a slightly better rate.

Compare Cash ISAs