{"id":353980,"date":"2020-12-01T10:39:02","date_gmt":"2020-12-01T10:39:02","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=353980"},"modified":"2026-02-02T12:16:56","modified_gmt":"2026-02-02T12:16:56","slug":"best-3-year-fixed-rate-bonds","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds","title":{"rendered":"Discover the best 3-year fixed-rate bonds"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Please note: This calculator provides estimations based on assumptions such as that you do not make withdrawals. You should always refer to the account provider for exact figures as they may vary from our results. Interest may be taxable.<\/div><\/article><div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">Be first to know about new deals<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, tips and a chance to <strong>win \u00a3400!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F353980\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>\n\n<p>If you can lock your money away for 3 years, there are some good savings accounts to choose from paying competitive rates of interest. Here\u2019s what you need to consider if you\u2019re thinking about locking your money away in a 3 year fixed rate bond, including the pros and cons and how to choose the one that suits you best.<\/p><h3>What are 3 year fixed rate bonds?<\/h3><p>Fixed-rate bonds are a type of savings account that allow you to lock away your money for a set time \u2013 in this case 3 years. You won\u2019t be able to add to these funds or withdraw from them during this period. In fact, many banks only release the funds before maturity if the account holder dies or goes bankrupt, and any early withdrawals would be highly likely to involve forfeiting interest or paying a fee.<\/p><p>In return for entrusting your lump sum to the bank for 3 years, you\u2019ll usually get a higher rate of interest compared to an easy access account (which allows you to withdraw funds whenever you need them). Plus, the interest rate is guaranteed not to change for the duration of the bond.<\/p><p>Bonds with a 3-year term will generally pay a better rate than <a href=\"https:\/\/www.finder.com\/uk\/best-2-year-fixed-rate-bonds\">2-year<\/a> (or shorter) terms but a worse rate than 4-year (or longer) terms.<\/p>\n\n<p>However, at the moment, you can actually get a matching rate (4.7%) on a <a href=\"https:\/\/www.finder.com\/uk\/18-month-fixed-rate-bonds\">18-month term<\/a> or a better rate (6.25%) on a <a href=\"https:\/\/www.finder.com\/uk\/best-1-year-fixed-rate-bonds\">1-year term<\/a>. If you suspect that interest rates are likely to start to come down, then you may still prefer to \"lock in\" for 3 years, even if it's at a lower rate.<\/p>\n<p>Locking your money away for a longer period can also be risky if interest rates are likely to rise in the foreseeable future. If this happens, your money could end up being tied up in an account that is no longer competitive and you won\u2019t be able to switch to a better paying account without being heavily penalised.<\/p><h3>What are the available types of fixed-rate bonds?<\/h3><p>When comparing 3 year fixed rate bonds you\u2019ll come across a variety of different features and eligibility criteria. This can include:<\/p><ul><li><strong>Minimum deposit.<\/strong> The minimum amount you\u2019ll need to open a 3 year fixed rate bond tends to vary between \u00a31,000 and \u00a35,000. Some providers may require a higher deposit, while a few may allow you to open an account with just \u00a3500.<\/li><li><strong>Account management.<\/strong> OK, there\u2019s not a lot of account management to do with a fixed-rate bond\u2026 but it can be nice to see your savings growing in an app, perhaps alongside your other accounts.<\/li><li><strong>Interest payments.<\/strong> You may be given the option to have your interest paid monthly or on the anniversary of the bond. If you syphon off the interest, then it won\u2019t get a chance to compound, and at the end of the bond your pot will likely be worth less due to inflation.<\/li><li><strong>Existing customers only.<\/strong> Some banks only offer certain bonds to those who already have a current or savings account with them.<\/li><li><strong>Top-up payments.<\/strong> Check whether your account allows you to add to your deposit within the first few weeks of opening your account, or whether you can only pay in one lump sum at the start.<\/li><\/ul><h3>How to find the best 3-year fixed-rate bonds<\/h3><p>The only real factor you need to consider when choosing the best 3-year fixed-rate bond is the interest rate on offer.<\/p><p>You can find the best-paying 3-year fixed-rate bonds using any price comparison website, like this one!<\/p><p>There are other differences, including customer service and terms regarding the early withdrawal of your funds, but for most savers, these pale in comparison to the interest rate on offer.<\/p><h3>How much money do you need to open a 3 year fixed rate bond?<\/h3><p>You\u2019ll typically need a minimum deposit of between \u00a31,000 and \u00a35,000 to open a 3-year fixed rate bond. However, some accounts will allow you to open them with as little as \u00a3500.<\/p><p>The maximum deposit is typically around \u00a3250,000, but some providers will allow you to save a few million (if you\u2019re lucky enough to have it).<\/p><p>Be sure to check how long you have to pay in your deposit \u2013 this could be anywhere between 14 and 30 days after opening your account. Check whether you can top up your funds too.<\/p><h3>Which are better: 3-year fixed-rate bonds or 3-year fixed-rate ISAs?<\/h3><p>These 2 savings mechanisms are actually pretty similar, but with a couple of noteworthy differences.<\/p><p>Both restrict you from withdrawing your money early. However, bonds are a private contract where you agree to lend money to a third party for a set period, and as such, funds generally can\u2019t be accessed before maturity except in the event of death, bankruptcy or at the bank\u2019s discretion. Cash ISAs, meanwhile, are savings accounts with government-defined parameters, and the bank is legally obliged to grant you access to your funds at your request\u2026 but is allowed to charge a penalty if you do so.<\/p><p>With ISAs, you have an annual limit (it\u2019s \u00a320,000 in the 2026\/2027 tax year). With fixed-rate bonds, there may be a maximum savings amount applied by the savings provider, but it\u2019s typically much higher.<\/p><p>You also won\u2019t pay tax on savings interest earned within an ISA. This is less of a big deal since the introduction of the personal savings allowance, under which basic-rate taxpayers can earn \u00a31,000 of tax-free savings interest per year, and higher rate tax-payers can earn \u00a3500. However, now that interest rates have risen, many savers are closer to exceeding their personal savings allowance, so cash ISAs still have a place. <\/p><p>Interest rates tend to be higher on 3-year fixed-rate bonds than on <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas\/3-year-fixed-rate-cash-isas\">3-year fixed-rate ISAs<\/a>, but this isn\u2019t a hard and fast rule, so it\u2019s worth checking!<\/p><h3>Is your money safe in a 3 year fixed rate bond?<\/h3><p>If you deposit money with a financial institution that has a UK banking licence, the first \u00a3120,000 will be protected under the Financial Services Compensation Scheme (FSCS) should your bank go bust. <\/p><p>Limits apply per institution which means if you have accounts with two banks under the same banking group, such as NatWest and RBS, the total cover will only be \u00a3120,000 across both accounts.<\/p><h3>What happens at the end of the 3 years?<\/h3><p>At the end of the 3-year period, your account will \u201cmature\u201d and your provider should pay you the interest you\u2019re owed. You\u2019ll then typically be able to have the money transferred to your current account. Or you can renew your account with the same provider \u2013 usually by choosing a different deal at a different rate of interest.<\/p><h3>Are 3-year fixed rate bonds a good investment?<\/h3><p>Yes, with a couple of caveats! Fixed-rate bonds are a type of cash savings account so <strong>stick to FSCS-covered banks and building societies so there\u2019s no risk to your capital<\/strong>. However, if you choose a longer term bond, which will generally have a higher rate of interest, you run the risk of interest rates going up while your money is locked away at that fixed rate. This means <strong>your money could be tied into an account that\u2019s no longer competitive<\/strong>. Conversely, of course, if interest rates come down, yours won\u2019t and you\u2019ll be sitting pretty.<\/p><p>It\u2019s a good idea to <strong>keep at least some rainy-day savings in an easy-access account<\/strong>, rather than locking everything away.<\/p><p>For longer-term saving and investing, it\u2019s not a bad idea to <strong>consider investing some of your pot in <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares<\/a><\/strong>. This comes with a risk that you\u2019ll lose money, but also a chance to beat inflation.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Interest on savings accounts has greatly improved over the last few years, thanks to the Bank of England pushing up the base rate in an attempt to control inflation. This means 3-year accounts are now paying a lot more than they used to, and there are some great accounts to choose from. However, if you take out a 3-year account it\u2019s worth remembering that you can\u2019t access the money for the term of the account. So if rates rise again, you\u2019ll be stuck with the rate you fixed at.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rebecca Goodman, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>An overview of our 3-year fixed-rate bond comparison<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Rates up to<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.7% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n133\n<\/td>\n<\/tr>\n<tr>\n<th>Minimum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a31\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a35,000,000\n<\/td>\n<\/tr>\n<tr>\n<th>Opening options<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nBranch, website, mobile app, post, telephone<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Pros and cons of fixed-rate bonds<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>You'll generally bag a better rate than you would on instant-access products.<\/li>\n                                    <li>The rate's fixed, so you'll know in advance exactly what you'll get back at the end of the term.<\/li>\n                                    <li>You can deposit more money compared to an ISA.<\/li>\n                                    <li>Apply for a bond that's covered by the FSCS, and your money's protected if the bank goes bust.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>You may have to pay tax on the interest you earn.<\/li>\n                                    <li>Your money's effectively locked away, which you may regret if your circumstances change dramatically.<\/li>\n                                    <li>Although the interest might be better than instant-access products, it might still be below inflation.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>If you can afford to lock away a lump sum for 3 years, and you have funds in another account you can access in an emergency, a fixed rate bond can be a good place to put your money. Interest rates are often more competitive than other savings options and you\u2019ll have the security that if interest rates drop, your savings rate won\u2019t.<\/p><p>A 3-year fixed rate bond can be a good vehicle for <em>part<\/em> of your savings\/investments pot.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Are fixed rate bonds covered by the FSCS?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It\u2019s providers that sign up to the FSCS scheme, not products. However, you will find that most fixed-rate bonds offered by UK providers will be covered by the FSCS.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can you lose money on a fixed-rate bond?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Bonds are among the safest places to put your savings. There is a small risk of the borrower defaulting, but most savings providers offer safeguards against this.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How many fixed rate bonds can I have?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can have as many as you want. You may only be able to open a certain number with one particular provider, but you can always open more with another bank.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Are fixed rate bonds taxable?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Fixed rate bonds will only be taxable if the amount of interest you earn exceeds your personal savings allowance. Basic-rate taxpayers can earn up to \u00a31,000 in interest each year tax-free, while higher-rate taxpayers can earn \u00a3500.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Is a 3-year fixed rate bond right for me?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you have a lump sum that you can afford to lock away for a fixed time, a 3 year bond could be right for you. Providing you have other savings you could access in an emergency and you\u2019re happy with the interest rate on offer, a 3 year fixed rate bond could be a good way to help your savings grow.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">FREE interest rate alerts<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, expert tips, and a chance to <strong>win \u00a3400!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F353980\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover how to find the best fixed-rate bonds and how they compare to other savings accounts. <\/p>\n","protected":false},"author":645,"featured_media":339277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[129735],"tags":[],"asset_tag":[],"class_list":["post-353980","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-rate-bonds"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best 3 year fixed-rate bonds up to 4.7%<\/title>\n<meta name=\"description\" content=\"Discover the best 3-year fixed-rate bonds, including how to find the best one using our comparison table in our guide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Discover the best 3-year fixed-rate bonds\" \/>\n<meta property=\"og:description\" content=\"Discover the best 3-year fixed-rate bonds, including how to find the best one using our comparison table in our guide.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-01T10:39:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Matthew Boyle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/Matthew08411738\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Matthew Boyle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\"},\"author\":{\"name\":\"Matthew Boyle\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/52bc07212c35752f0a3345e22921fe37\"},\"headline\":\"Discover the best 3-year fixed-rate bonds\",\"datePublished\":\"2020-12-01T10:39:02+00:00\",\"dateModified\":\"2026-02-02T12:14:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\"},\"wordCount\":2107,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg\",\"articleSection\":[\"Fixed rate bonds\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#respond\"]}],\"comment\":[{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#comment-129590\"}],\"copyrightYear\":\"2020\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Money Helper's fixed rate bonds explanation\",\"url\":\"https:\/\/www.moneyhelper.org.uk\/en\/savings\/types-of-savings\/cash-savings-bonds\"},{\"@type\":\"CreativeWork\",\"name\":\"FSCS cover policy\",\"url\":\"https:\/\/www.fscs.org.uk\/what-we-cover\/\"}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\",\"url\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\",\"name\":\"Best 3 year fixed-rate bonds up to 4.7%\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg\",\"datePublished\":\"2020-12-01T10:39:02+00:00\",\"dateModified\":\"2026-02-02T12:14:55+00:00\",\"description\":\"Discover the best 3-year fixed-rate bonds, including how to find the best one using our comparison table in our guide.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\"]}],\"reviewedBy\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/aaabba2a429a419ed0afad474da60aa6\"},\"lastReviewed\":\"2026-02-02T12:14:55\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg\",\"width\":250,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Savings accounts\",\"item\":\"https:\/\/www.finder.com\/uk\/savings-accounts\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Fixed rate bonds\",\"item\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Discover the best 3-year fixed-rate bonds\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/52bc07212c35752f0a3345e22921fe37\",\"name\":\"Matthew Boyle\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MattBoyleF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MattBoyleF1_Finder_600x600.png\",\"caption\":\"Matthew Boyle\"},\"description\":\"Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife.\",\"sameAs\":[\"https:\/\/twitter.com\/Matthew08411738\",\"https:\/\/www.linkedin.com\/in\/mattboyle3\/\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/mattboyle\",\"jobTitle\":\"Publisher\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Helping first-time buyers apply for a mortgage\"},{\"@type\":\"Thing\",\"name\":\"Comparing bank accounts and highlighting useful features\"},{\"@type\":\"Thing\",\"name\":\"Publishing easy-to-understand guides\"}],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/aaabba2a429a419ed0afad474da60aa6\",\"name\":\"Rebecca Goodman\",\"description\":\"Rebecca Goodman is an award-winning freelance journalist with more than a decade of experience working across personal finance titles. Rebecca specialises in consumer money topics and regularly writes for The Guardian, The Sun, The Mirror, LoveMoney and Moneywise magazine.\",\"jobTitle\":\"Writer\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/rebeccagoodman\",\"sameAs\":[\"https:\/\/twitter.com\/RebeccaHGoodman\",\"https:\/\/www.linkedin.com\/in\/rebecca-goodman-238a3222\/\"],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/aaabba2a429a419ed0afad474da60aa6\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RebeccaGoodmanF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RebeccaGoodmanF1_Finder_600x600.png\",\"caption\":\"Rebecca Goodman\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#comment-129590\",\"author\":{\"@type\":\"Person\",\"name\":\"Bet\"},\"text\":\"What happens if I take out a 3 year fixed rate bond, but die after 18 months.   Will my Executors be able to close the account without penalty?\",\"datePublished\":\"2023-03-26 12:03:10\"}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-02-02T12:14:55+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Best 3 year fixed-rate bonds up to 4.7%","description":"Discover the best 3-year fixed-rate bonds, including how to find the best one using our comparison table in our guide.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds","og_locale":"en_GB","og_type":"article","og_title":"Discover the best 3-year fixed-rate bonds","og_description":"Discover the best 3-year fixed-rate bonds, including how to find the best one using our comparison table in our guide.","og_url":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2020-12-01T10:39:02+00:00","og_image":[{"width":250,"height":250,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg","type":"image\/jpeg"}],"author":"Matthew Boyle","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/Matthew08411738","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Matthew Boyle","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds"},"author":{"name":"Matthew Boyle","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/52bc07212c35752f0a3345e22921fe37"},"headline":"Discover the best 3-year fixed-rate bonds","datePublished":"2020-12-01T10:39:02+00:00","dateModified":"2026-02-02T12:14:55+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds"},"wordCount":2107,"commentCount":1,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg","articleSection":["Fixed rate bonds"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#respond"]}],"comment":[{"@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#comment-129590"}],"copyrightYear":"2020","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"},"citation":[{"@type":"CreativeWork","name":"Money Helper's fixed rate bonds explanation","url":"https:\/\/www.moneyhelper.org.uk\/en\/savings\/types-of-savings\/cash-savings-bonds"},{"@type":"CreativeWork","name":"FSCS cover policy","url":"https:\/\/www.fscs.org.uk\/what-we-cover\/"}]},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds","url":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds","name":"Best 3 year fixed-rate bonds up to 4.7%","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg","datePublished":"2020-12-01T10:39:02+00:00","dateModified":"2026-02-02T12:14:55+00:00","description":"Discover the best 3-year fixed-rate bonds, including how to find the best one using our comparison table in our guide.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds"]}],"reviewedBy":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/aaabba2a429a419ed0afad474da60aa6"},"lastReviewed":"2026-02-02T12:14:55"},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg","width":250,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Savings accounts","item":"https:\/\/www.finder.com\/uk\/savings-accounts"},{"@type":"ListItem","position":3,"name":"Fixed rate bonds","item":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds"},{"@type":"ListItem","position":4,"name":"Discover the best 3-year fixed-rate bonds"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/52bc07212c35752f0a3345e22921fe37","name":"Matthew Boyle","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MattBoyleF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MattBoyleF1_Finder_600x600.png","caption":"Matthew Boyle"},"description":"Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife.","sameAs":["https:\/\/twitter.com\/Matthew08411738","https:\/\/www.linkedin.com\/in\/mattboyle3\/"],"url":"https:\/\/www.finder.com\/uk\/author\/mattboyle","jobTitle":"Publisher","knowsAbout":[{"@type":"Thing","name":"Helping first-time buyers apply for a mortgage"},{"@type":"Thing","name":"Comparing bank accounts and highlighting useful features"},{"@type":"Thing","name":"Publishing easy-to-understand guides"}],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/aaabba2a429a419ed0afad474da60aa6","name":"Rebecca Goodman","description":"Rebecca Goodman is an award-winning freelance journalist with more than a decade of experience working across personal finance titles. Rebecca specialises in consumer money topics and regularly writes for The Guardian, The Sun, The Mirror, LoveMoney and Moneywise magazine.","jobTitle":"Writer","url":"https:\/\/www.finder.com\/uk\/author\/rebeccagoodman","sameAs":["https:\/\/twitter.com\/RebeccaHGoodman","https:\/\/www.linkedin.com\/in\/rebecca-goodman-238a3222\/"],"image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/aaabba2a429a419ed0afad474da60aa6","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RebeccaGoodmanF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RebeccaGoodmanF1_Finder_600x600.png","caption":"Rebecca Goodman"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds#comment-129590","author":{"@type":"Person","name":"Bet"},"text":"What happens if I take out a 3 year fixed rate bond, but die after 18 months.   Will my Executors be able to close the account without penalty?","datePublished":"2023-03-26 12:03:10"}]},"article_modified_time":"2026-02-02T12:14:55+00:00"},"custom_fields":{"_masthead_subheading":["{\"text\":\"Compare the top 3-year fixed-rate bonds and get rates up to [nb:highest-value niche_code=&quot;UKFSA-SAV&quot; record_type=&quot;PRODUCT&quot; field=&quot;MONEYFACTS.RATE1_GROSSAER&quot; record_set_id=&quot;b0e957c3-204e-4309-915a-e978ecd7cdb3&quot; decorated=&quot;true&quot;] AER. But if you might need a cheeky withdrawal, this probably isn&rsquo;t for you.\"}"],"_content_type":["niche-content\/recommendation\/best-guide"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"custom_post_template":["page-nb-table-with-filters.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/353980"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/645"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=353980"}],"version-history":[{"count":12,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/353980\/revisions"}],"predecessor-version":[{"id":570626,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/353980\/revisions\/570626"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/339277"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=353980"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=353980"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=353980"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=353980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}