Best 3 Year Fixed Rate Bonds in October 2026

Chetwood Bank's 3 Year Fixed Rate Savings pays 5.23%, which sits above the market average for fixed-rate accounts, though it is 0.14% behind the current leader at 5.37%. At 2.13% above August 2026 CPI of 3.1%, your money does grow in real terms.

The minimum is just £1,000, which keeps it accessible, but the genuine catch is that no withdrawals are permitted for three years except in exceptional circumstances such as bankruptcy or critical illness, so only commit money you will not need.

GB Bank's 3 Year Fixed Rate Bond pays 5.20%, which sits above the market average for fixed-rate bonds across all terms, though it is 0.17% behind the current market leader at 5.37%. The real-terms picture is reasonable, with the rate running 2.10% ahead of CPI inflation at 3.1%.

The main catch is straightforward: your money is locked away for three years with no access until maturity, so this suits savers who are confident they won't need to touch up to £100,000 for the full term. Close Brothers Savings and Investec both offer a near-identical 5.19% if you want to compare.

Investec's 3-Year Fixed Rate Saver pays 5.19%, which is above the market average for fixed-rate savings across all terms, though 0.18% behind the category leader at 5.37%. At 2.09% above CPI inflation of 3.1%, it does at least offer a meaningful real return.

You need at least £5,000 to open it, and the real catch is that your money is completely locked away for three years with no access until maturity, so this suits savers who are confident they won't need the funds.