{"id":532581,"date":"2024-05-21T17:43:19","date_gmt":"2024-05-21T16:43:19","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=532581"},"modified":"2025-11-28T11:03:06","modified_gmt":"2025-11-28T11:03:06","slug":"compare-fixed-rate-bonds","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/compare-fixed-rate-bonds","title":{"rendered":"Compare fixed rate bonds"},"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%2F532581\">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>You could earn more on your savings by locking your money away for a period of time in a fixed-rate bond rather than putting it in an easy-access account. But while you\u2019ll benefit if rates go down in the market as a whole, you could earn less than you would have done elsewhere if rates go up and you won\u2019t have access to your money, so you need to consider whether a fixed-rate bond is right for you before you take one out.<\/p><h3>How do fixed-rate bonds work?<\/h3><p>Once you\u2019ve compared and picked the fixed-rate savings account you want to open, things are pretty straightforward.<\/p><ul><li><strong>Application.<\/strong> With most financial institutions, you can apply online by putting in your data and going through an ID check. Some financial institutions don\u2019t allow you to open a fixed-rate savings account with them if you don\u2019t have a <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\">current account<\/a> too. If the account you want to open is with a bank you\u2019re already a customer of, you can often do it directly from your banking app.<\/li><li><strong>Deposits.<\/strong> Once the account is open, you have a short period of time to fund it (normally less than one month). After that, you can\u2019t make any more deposits or withdrawals to your account until it matures. If you really do have to access the funds, it may be a slow process and you\u2019ll incur a penalty (usually forfeiting interest earned).<\/li><li><strong>Interest.<\/strong> The interest will either be paid out \u201con maturity\u201d when your lump sum\u2019s released, or, in some cases, interest can be <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/monthly-interest-fixed-rate-bonds\">\u201cpaid away\u201d monthly<\/a> to an account that you nominate. It\u2019s more lucrative in the long run if the interest is allowed to compound in the bond itself itself, but some people will be looking to generate a monthly income instead.<\/li><li><strong>Withdrawals.<\/strong> We can\u2019t stress it enough: only put money into a fixed-rate savings account if you\u2019re 100% sure you won\u2019t need to access it. Because no. You. Cannot. Withdraw. Your. Deposit. In. Advance. More precisely, in some cases, you just can\u2019t at all; in others, you\u2019ll be charged a fee and your account will be closed.<\/li><li><strong>When the account matures.<\/strong> You\u2019ll be able to access your money and you usually can choose to have it paid back into your current account (and then potentially look for a new deal) or \u201crenew\u201d your current deal by opening a new fixed-rate bond with the same financial institution. There\u2019s no guarantee you\u2019ll get the same interest rate as before though.<\/li><\/ul><h3 itemprop=\"name\">How long should I keep my money in a fixed-rate bond for?<\/h3><p>While the duration of the fixed-rate bond may vary from bank to bank, generally the periods of time that you can put your money in a bond for are <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/6-month-fixed-rate-bonds\">6 months<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds\">1 year<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/18-month-fixed-rate-bonds\">18 months<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-2-year-fixed-rate-bonds\">2 years<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\">3 years<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-5-year-fixed-rate-bonds\">5 years<\/a>.<\/p><p>If you think that savings interest rates are likely to rise over the coming months and years, then you might prefer to fix for a shorter time. Conversely, if you think that savings interest rates are coming down, then you might be keen to fix at today\u2019s rates for as long as you can. For larger sums or longer terms, a bit of <a href=\"https:\/\/www.finder.com\/uk\/banking\/base-rate-survey\">research in where rates are headed<\/a> can be time well spent. <\/p><p>Bear in mind that the longer you lock your money away for, the greater the chance that your circumstances could change, and you might wish you could access your money. So if you think your circumstances could well change, consider a shorter term, or locking less away. Of course you generally <em>can<\/em> withdraw your savings in any case, but if you do so before the end of the fixed-term, you\u2019ll incur a penalty (typically losing your interest).<\/p><h3>How to choose the best fixed-rate bonds<\/h3><p>If you do decide that a fixed-rate savings account is what you need, comparing and picking the right one for you shouldn\u2019t be excessively complicated. Here\u2019s how to tackle it:<\/p><ul><li><strong>How long can you do without the money?<\/strong> A longer period generally means a better rate (with the caveat that rates could rise when your money\u2019s locked in).<\/li><li><strong>Compare rates.<\/strong> Obviously, the higher the better.<\/li><li><strong>Check the eligibility criteria.<\/strong> Make sure you can apply for the account you\u2019re looking at. With some banks, you\u2019ll need to open a current account first. Also, keep in mind that many fixed-rate savings accounts have a minimum deposit (this could be \u00a350 to \u00a3500 or more).<\/li><li><strong>Look at where\/when the interest is paid.<\/strong> Monthly, annually or at the end? Into the account itself or somewhere else?<\/li><li><strong>How much are you going to earn?<\/strong> This will basically depend on the interest rate, but to make a final decision it\u2019s worth trying to figure out how much you\u2019ll get out of the account with the amount you can afford to put aside.<\/li><li><strong>What\u2019s the withdrawal penalty?<\/strong> While it\u2019s a bad idea to withdraw savings from a fixed-rate account before it matures, make sure you understand whether it\u2019s possible to take your money early and the penalty for doing so.<\/li><\/ul><h3 itemprop=\"name\">Are fixed-rate savings bonds safe?<\/h3><p>Yes, they generally are, providing they\u2019re issued by a UK-authorised bank or building society and you\u2019re saving below \u00a3120,000. Always make sure that the deal you\u2019re looking at is covered by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">FSCS<\/a> (Financial Services Compensation Scheme), which will protect your deposits up to \u00a3120,000 if the financial institution providing the account were to go bankrupt. If you have more than \u00a3120,000 in savings, it\u2019s advisable to spread it between accounts at different financial institutions, just in case.<\/p><p>Unlike some investment products where your investment can go down as well as up, fixed-rate bonds guarantee a set return. This might not match the rate of inflation, but it\u2019s better than sticking your money under the mattress.<\/p><h3 itemprop=\"name\">Which are the best fixed-rate bonds at the moment?<\/h3><p>Our best fixed-rate bonds are the highest interest rates available for each type of bond we specify. 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 bonds in our list have savings protection \u2013 for most, this is the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> (FSCS). Other schemes include that of NS&amp;I, which is 100% backed by HM Treasury, and the Gibraltar Deposit Guarantee Scheme.<\/p><h3>Bottom line<\/h3><p>You can usually get better rates of interest by putting your money into a fixed-rate bond versus other types of account but you need to be able to lock your money away for the term of the bond. However, if interest rates go up during this period, you could end up losing out in the long run. <\/p><p>If you\u2019re able to invest long term \u2013 for at least five years \u2013 you could consider investing in the stock market instead but there\u2019s a risk that the value of your investment could go down instead of up. It\u2019s a good idea to speak to an independent financial adviser before you decide to do this.<\/p>\n    <div id=\"signpost\" class=\"u-rounded--lg has-padding-small has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-1\/4@s u-1\/5@m text-center has-margin-top-xxsmall has-margin-bottom-xxsmall\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png\" alt=\"Savings apps\" style=\"width: 100%; max-width: 320px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\">\n<\/div>\n<div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/4@l has-margin-top-xxsmall has-margin-bottom-xxsmall\">\n<div class=\"u-italic has-margin-bottom-xxsmall\" style=\"font-size:1.2em; line-height: 1.2; letter-spacing: -0.2px;\">Save smarter with a high-interest saving app<\/div>\n<p style=\"font-size: 16px; line-height: 22px;\">Open an account in less than 5 minutes, then track it from your phone. Plus explore a range of features like round-ups, auto-saving, pots, goals and more.<\/p><\/div> \n<div class=\"u-grid__col u-1\/4@l has-margin-top-xxsmall has-margin-bottom-xxsmall\">\n<a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-mobile-savings-apps\" class=\"luna-button luna-button--fluid luna-button--primary\">Explore apps<\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<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\">What does 'fixed' interest rate mean precisely?<\/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 means that the account provider can\u2019t change the rate until the account matures. That is even if the Bank of England modifies the <a href=\"https:\/\/www.bankofengland.co.uk\/monetary-policy\/the-interest-rate-bank-rate\" target=\"_blank\" rel=\"noopener\">base rate<\/a>. As a consequence, you know how much you\u2019ll earn from the start; depending on whether the Bank of England increases, doesn\u2019t change or decreases the base rate, being on a fixed-rate deal could mean that you\u2019re worse off or better off than with a variable deal. Because the base rate is used by banks lending to each other, it inevitably trickles down to individual savers and borrowers sooner or later \u2013 so when the base rate rises or falls, then variable saving\/borrowing rates for consumers soon follow suit.<\/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\">Do I need to pay tax on the interest?<\/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>Depending on your income, you have a tax-free allowance on interest. It\u2019s \u00a31,000 a year for basic 20% rate taxpayers and \u00a3500 a year for higher 40% rate taxpayers. Top 45% rate taxpayers don\u2019t have one, so they have to pay taxes on all the interest they earn. Cash ISAs don\u2019t count towards the allowance.<\/p><p>\u201c<a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas\">Fixed-rate cash ISAs<\/a>\u201d do exist, but the rates can be lower. They\u2019re also subject to the maximum amounts that can be contributed each tax year. A further key difference is that banks are legally obliged to let you withdraw your money from an ISA whenever you need to (within reason), but they will typically charge a penalty if you withdraw funds from a fixed-rate cash ISA before the end of the fixed term.<\/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>As many as you like. Some financial institutions only allow a limited number of them, 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\">Can I lose money with 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=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No \u2013 it\u2019s extremely unlikely, and the bond issuer would need to go bust. Even then, funds are generally FSCS-protected up to \u00a3120,000.<\/p><p>You\u2019re not investing in a fluctuating asset like shares. The worst that\u2019s likely to happen is market interest rates rise above the level at which you fixed, and you could have been better off putting your funds elsewhere.<\/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\">How does the Bank of England base rate affect savings interest rates?<\/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>The base rate is the interest rate the Bank of England pays to commercial banks on the money they hold with them, so this affects how much they can pay you on your savings and how much they charge people to borrow money. The Bank of England changes the base rate as a way of controlling inflation to meet the government\u2019s <a href=\"https:\/\/www.bankofengland.co.uk\/monetary-policy\/inflation\" target=\"_blank\" rel=\"noopener\">target of 2%<\/a>.<\/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=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">What will happen to interest rates in the coming months?<\/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=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It\u2019s difficult to know for sure but you can read our <a href=\"https:\/\/www.finder.com\/uk\/banking\/base-rate-survey\">Bank of England interest rate predictions guide<\/a>, which we compile by consulting a panel of experts.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><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%2F532581\">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>Full, filterable comparison of todays fixed-rate bond deals.<\/p>\n","protected":false},"author":385,"featured_media":0,"comment_status":"closed","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":[1181],"tags":[],"asset_tag":[],"class_list":["post-532581","post","type-post","status-publish","format-standard","hentry","category-savings-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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