{"id":482488,"date":"2023-03-17T18:35:56","date_gmt":"2023-03-17T18:35:56","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=482488"},"modified":"2026-02-02T13:21:55","modified_gmt":"2026-02-02T13:21:55","slug":"5-year-fixed-rate-cash-isas","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas\/5-year-fixed-rate-cash-isas","title":{"rendered":"Compare these 5-year fixed rate cash ISAs"},"content":{"rendered":"<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%2F482488\">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\u2019re looking for a better rate on your tax-free savings, then opting for a longer-term like 5 years could unlock the top tier of savings rates. But you\u2019ll need to be comfortable leaving the money to grow for the duration of that term \u2013 early withdrawals come with a penalty.<\/p><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What is a 5-year fixed-rate cash ISA?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>ISAs (Individual Savings Accounts) are govenment-defined with tight parameters for both savers and account issuers. A 5-year fixed-rate ISA is a type of <u>\u201ccash ISA\u201d<\/u> \u2013 which is one of four different types of ISA. You can pay up to a maximum of \u00a320,000 into ISA accounts each year, and any interest you earn is tax-free.<\/p><p>The \u201c5-year fixed-rate\u201d part means that the bank pledges to keep your interest rate at an agreed level for the duration of the 5 years. If the Bank of England Base rate then goes down, and savings rates across the market inevitably follow it, yours will stay put. In that scenario, you\u2019d be in an enviable position. But if the Bank of England base rate goes up, and savings rates across the board follow suit, your rate won\u2019t.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Can I make withdrawals from a 5-year fixed ISA?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Banks providing ISAs are legally obliged to let you withdraw your money whenever you want. But in the case of a fixed-rate ISA, they charge a penalty for any withdrawals prior to the end of the set term \u2013 typically expressed as x days\u2019 interest on the sum withdrawn. So if the penalty was 90 days\u2019 interest (which is fairly normal) and you withdrew \u00a35,000 before the end of the fixed term, you\u2019d incur a penalty of around \u00a345.<\/p><p>Banks make a profit by lending money out and charging a higher interest rate than they award to savers. They are better-able to put your money to work if they know you\u2019re not going to suddenly need it back. Non-ISA <a href=\"https:\/\/www.finder.com\/uk\/best-5-year-fixed-rate-bonds\">5-year fixed-rate bonds<\/a> will often pay an even higher rate than their ISA counterparts, because the banks can simply refuse to release funds before the end of the term (except in the event of the account holder\u2019s death).<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Can I top-up a 5-year fixed-rate ISA during the term?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Although some accounts may allow \u201cfurther contributions\u201d during a brief initial window, most fixed-rate cash ISAs don\u2019t let you add funds during the fixed term.<\/p><\/div><\/div><\/div><\/div><h3>Which are the best 5-year fixed-rate cash ISAs at the moment?<\/h3><p>Our best fixed-rate cash ISAs are the highest interest rates available. To get the latest rates, we use Defaqto data, which covers nearly the full market of savings products and is checked and updated daily. We don\u2019t include accounts from private banks.<\/p><p>All the cash ISAs in our list have savings protection \u2013 for most, this is the Financial Services Compensation Scheme (FSCS). Other schemes include that of NS&amp;I, which is 100% backed by HM Treasury, and the Gibraltar Deposit Guarantee Scheme.<\/p><p>Here are the best 5-year fixed cash ISA rates as of May 9:<\/p>\n\n\n\n\n\n\n\n\n<table class=\"luna-table\">\n<thead class=\"luna-table__header\">\n<tr>\n<th>Rank<\/th>\n<th>Product<\/th>\n<th>Rate (AER)<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"luna-table__body\">\n<tr>\n<th scope=\"row\">1<\/th>\n<td>Marsden Fixed Rate Cash ISA (Issue 313)<\/td>\n<td>4.61%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">2<\/th>\n<td>Marsden Fixed Rate Cash ISA (Issue 313) Monthly<\/td>\n<td>4.6%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">3<\/th>\n<td>Nationwide Building Society 5 Year Fixed Rate Cash ISA<\/td>\n<td>4.6%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">4<\/th>\n<td>Yorkshire Building Society 4.55% Fixed Rate e-ISA to 31\/07\/2031<\/td>\n<td>4.55%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">5<\/th>\n<td>Yorkshire Building Society 4.55% Fixed Rate ISA to 31\/07\/2031<\/td>\n<td>4.55%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">6<\/th>\n<td>Yorkshire Building Society 4.55% Fixed Rate ISA to 31\/07\/2031 Monthly<\/td>\n<td>4.55%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">7<\/th>\n<td>Hargreaves Lansdown Active Savings Chetwood Bank - 5 Year Fixed Term ISA<\/td>\n<td>4.55%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">8<\/th>\n<td>Close Brothers Ltd Close Savings 5 Year Fixed Rate Cash ISA<\/td>\n<td>4.53%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">9<\/th>\n<td>Tandem 5 Year Fixed Rate Cash ISA<\/td>\n<td>4.53%<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">10<\/th>\n<td>Castle Trust Bank 5 Year Fixed Rate e-Cash ISA<\/td>\n<td>4.51%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>An overview of our 5-year fixed-rate cash ISA 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\">\n4.61% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n60\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\u00a39,000,000\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 5-year fixed rate cash ISAs<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4 id=\"Pros\">Pros<\/h4><ul class=\"list-4\"><li>By committing to a 5-year term, you\u2019re likely to be able to access some of the best savings rates going.<\/li><li>With the a cash ISA wrapper, your interest will be tax-free.<\/li><li>Even if wider savings market rates go down, your fixed rate won\u2019t.<\/li><li>In a pinch, you <em>would<\/em> be able to withdraw the funds if you had to (but you would incur a financial penalty).<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Cons<\/h4><ul class=\"list-13\"><li>5 years is a long time, and to get the benefits, you\u2019ll need to leave the money to grow for the duration.<\/li><li>If market interest rates go up over the next few years, yours won\u2019t.<\/li><li>You can\u2019t \u201ctop up\u201d the acccount during the 5-year fixed term.<\/li><\/ul><\/div><\/div><h3>Bottom line<\/h3><p>A 5-year fixed-rate cash ISA is a bit of a commitment, but can unlock some of the best savings rates going.<\/p><p>If you don\u2019t have any money invested in stocks and shares, then that\u2019s an alternative worth considering, because even by committing to a 5-year term  you might not beat current levels of inflation. The big downside when <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">investing in stocks and shares<\/a> is that you risk <em>losing<\/em> money, but if you\u2019re flexible about when you \u201ccash out\u201d, you can mitigate this.<\/p><p>But if you <em>do<\/em> already have some funds invested in stocks and shares, and simply want a risk-free safe haven for a lump sum, then a fixed-rate cash ISA is a sensible option.<\/p><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\" 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rates.<\/p>\n","protected":false},"author":195,"featured_media":0,"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":[129749],"tags":[],"asset_tag":[],"class_list":["post-482488","post","type-post","status-publish","format-standard","hentry","category-fixed-rate-isas"],"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 5-year fixed-rate ISAs up to 4.61%<\/title>\n<meta name=\"description\" content=\"Scan live rates and lock in a competitive, tax-free deal on a lump sum of savings that you don&#039;t need to touch for 5 years.\" \/>\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-isas\/5-year-fixed-rate-cash-isas\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare these 5-year fixed rate cash ISAs\" \/>\n<meta property=\"og:description\" content=\"Scan live rates and lock in a competitive, tax-free deal on a lump sum of savings that you don&#039;t need to touch for 5 years.\" \/>\n<meta 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