1 Year Fixed Rate Cash ISA
Earn tax-free interest on a lump sum. Lock it away for 1 year, know your interest rate won't change.
Interest rate
4.00%
AER/tax-free (fixed)
Fixed rate savings accounts
Explore our fixed rate savings accounts to find the best interest rate and account for you.
Explore our fixed rate accounts
Apply for a fixed rate savings account with Nationwide today.
Deposit a lump sum and know your rate will not change.
We’ve found 12 savings accounts for you
| Account name | Interest rate | Withdrawals and charges | Manage | Designed for | Find out more |
|---|---|---|---|---|---|
1 Year Fixed Rate Cash ISA Earn tax-free interest on a lump sum. Lock it away for 1 year, know your interest rate won't change. | 4.00% AER/tax-free (fixed) | A withdrawal in the term closes the account and an early access charge applies | Online and branch | All savers | |
1 Year Fixed Rate Online Bond Lock your money away, manage it online, know your interest rate won't change | 4.00% AER/gross a year (fixed) | No withdrawals until the term ends | Online | All savers | |
1 Year Fixed Rate Branch Bond Only available to open in branch. Lock away a lump sum for a year, know your interest rate won't change. | 4.00% AER/gross a year (fixed) | No withdrawals until the term ends | Online and branch | All savers | |
2 Year Fixed Rate Cash ISA Earn tax-free interest on a lump sum. Lock it away for 2 years, know your interest rate won't change. | 3.80% AER/tax-free (fixed) | A withdrawal in the term closes the account and an early access charge applies | Online and branch | All savers | |
3 Year Fixed Rate Cash ISA Earn tax-free interest on a lump sum. Lock it away for 3 years, know your interest rate won't change. | 3.80% AER/tax-free (fixed) | A withdrawal in the term closes the account and an early access charge applies | Online and branch | All savers | |
5 Year Fixed Rate Cash ISA Earn tax-free interest on a lump sum. Lock it away for 5 years, know your interest rate won't change. | 3.80% AER/tax-free (fixed) | A withdrawal in the term closes the account and an early access charge applies | Online and branch | All savers | |
2 Year Fixed Rate Online Bond Lock your money away, manage it online, know your interest rate won't change | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends | Online | All savers | |
3 Year Fixed Rate Online Bond Lock your money away, manage it online, know your interest rate won't change | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends | Online | All savers | |
5 Year Fixed Rate Online Bond Lock your money away, manage it online, know your interest rate won't change | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends | Online | All savers | |
2 Year Fixed Rate Branch Bond Only available to open in branch. Lock away a lump sum for 2 years, know your interest rate won't change. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends | Online and branch | All savers | |
3 Year Fixed Rate Branch Bond Only available to open in branch. Lock away a lump sum for 3 years, know your interest rate won't change. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends | Online and branch | All savers | |
5 Year Fixed Rate Branch Bond Only available to open in branch. Lock away a lump sum for 5 years, know your interest rate won't change. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends | Online and branch | All savers |
1 Year Fixed Rate Online Bond
Lock your money away, manage it online, know your interest rate won't change
Interest rate
4.00%
AER/gross a year (fixed)
Withdrawals and charges
No withdrawals until the term endsManage
OnlineDesigned for
All savers1 Year Fixed Rate Branch Bond
Only available to open in branch. Lock away a lump sum for a year, know your interest rate won't change.
Interest rate
4.00%
AER/gross a year (fixed)
Withdrawals and charges
No withdrawals until the term endsManage
Online and branchDesigned for
All savers2 Year Fixed Rate Cash ISA
Earn tax-free interest on a lump sum. Lock it away for 2 years, know your interest rate won't change.
Interest rate
3.80%
AER/tax-free (fixed)
Withdrawals and charges
A withdrawal in the term closes the account and an early access charge appliesManage
Online and branchDesigned for
All savers3 Year Fixed Rate Cash ISA
Earn tax-free interest on a lump sum. Lock it away for 3 years, know your interest rate won't change.
Interest rate
3.80%
AER/tax-free (fixed)
Withdrawals and charges
A withdrawal in the term closes the account and an early access charge appliesManage
Online and branchDesigned for
All savers5 Year Fixed Rate Cash ISA
Earn tax-free interest on a lump sum. Lock it away for 5 years, know your interest rate won't change.
Interest rate
3.80%
AER/tax-free (fixed)
Withdrawals and charges
A withdrawal in the term closes the account and an early access charge appliesManage
Online and branchDesigned for
All savers2 Year Fixed Rate Online Bond
Lock your money away, manage it online, know your interest rate won't change
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawals and charges
No withdrawals until the term endsManage
OnlineDesigned for
All savers3 Year Fixed Rate Online Bond
Lock your money away, manage it online, know your interest rate won't change
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawals and charges
No withdrawals until the term endsManage
OnlineDesigned for
All savers5 Year Fixed Rate Online Bond
Lock your money away, manage it online, know your interest rate won't change
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawals and charges
No withdrawals until the term endsManage
OnlineDesigned for
All savers2 Year Fixed Rate Branch Bond
Only available to open in branch. Lock away a lump sum for 2 years, know your interest rate won't change.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawals and charges
No withdrawals until the term endsManage
Online and branchDesigned for
All savers3 Year Fixed Rate Branch Bond
Only available to open in branch. Lock away a lump sum for 3 years, know your interest rate won't change.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawals and charges
No withdrawals until the term endsManage
Online and branchDesigned for
All savers5 Year Fixed Rate Branch Bond
Only available to open in branch. Lock away a lump sum for 5 years, know your interest rate won't change.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawals and charges
No withdrawals until the term endsManage
Online and branchDesigned for
All saversWhat is a fixed rate savings account?
You deposit a lump sum
With some fixed rate accounts, if you withdraw money before the end of the term, you must close the account and pay an early access charge. If this costs more than the interest earned, you will get back less money than you paid in. With other fixed rate accounts, you cannot withdraw money until the end of the term.
Your interest rate is fixed
Your interest rate will not change over the account term. We generally calculate interest daily and pay it annually. So the more money you keep in the account, the more you earn.
Who they are for
Savers with long-term savings goals, those who want to deposit a lump sum and leave it in their account, and those who are looking for an interest rate that will not change.
Frequently asked questions
Explore other savings accounts
Instant access savings accounts
Get easy and unlimited access to your money.
Limited access savings accounts
Only make a certain number of withdrawals without reducing your interest rate.
Cash ISAs
Earn tax-free interest payments on up to £20,000 this tax year with a Nationwide cash ISA.
Children’s savings accounts
Help your child start saving for their future or put some money away for them in a savings account for parents. We do not currently offer junior ISAs.
Compare all savings accounts
Explore our range of savings accounts, ISAs and bonds to find the best account for you today.
Why save with Nationwide?
Member-only products
We have a range of products we keep just for our members. They include savings accounts, credit cards and loans.
Our Savings Promises
We have 7 promises to make things fairer for our members. For example, we promise we won’t offer ‘brand new customer only’ savings accounts.
Stay up to date with our savings accounts
Sign up to SavingsWatch and we’ll let you know whenever we change our rates or bring out a new savings account.
Our Branch Promise
We have over 600 branches up and down the UK. And we have promised to keep every one open until at least the start of 2028.
Help for customers
If you have a savings account with us, we are here to support you.
Quick links:
Protecting your money
The Financial Services Compensation Scheme (opens in a new window) (FSCS) is a free, independent service that protects up to £85,000 of your eligible money at Nationwide.