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Home » Banking & Savings » 3 Year Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISAs

Updated: 4th September 2021

Cash ISAs provide the advantage of tax free savings. If you’re able to put your money away for 3 years, these fixed rate cash ISAs could offer you better interest rate than their easy access relatives. Note that while you can withdraw from a fixed rate cash ISA, the heavy penalties make it a good idea to avoid that unless absolutely necessary.

Jump to Our Picks for top-rated 3 Year Fixed Rate Cash ISAs

Offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

Great For: Competitive fixed rate ISA interest

5 stars question mark

Paragon logo

  • Interest Rate (AER):

    1.11%

  • Account Type:

    3 Year Fixed Rate ISA

  • Account Minimum:

    £500

  • Account Maximum:

    £500,000

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Minimum deposit £500
  • Maximum account balance £50,000
  • Competitive fixed interest rate
  • Choice of annual or monthly interest payments
  • Save up to the annual statutory limit of £20,000 each tax year
  • Withdrawals ahead of term will be subject to a loss of interest penalty

what we like

  • Competitive fixed interest rate
  • Set up and manage your account easily online
  • Tax-free savings up to the current limit of £20,000 each tax year

WHAT YOU NEED TO KNOW

  • Minimum deposit £500
  • Maximum account balance £50,000
  • Competitive fixed interest rate
  • Choice of annual or monthly interest payments
  • Save up to the annual statutory limit of £20,000 each tax year
  • Withdrawals ahead of term will be subject to a loss of interest penalty

DISCLAIMER

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Great For: Competitive fixed rate ISA interest

4.5 stars question mark

Virgin money logo

  • Interest Rate (AER):

    0.75%

  • Account Type:

    3 Year Fixed Rate ISA

  • Account Minimum:

    £1

  • Account Maximum:

    £2,000,000

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Minimum deposit £1
  • Maximum account balance £2,000,000 across all Virgin Money accounts held
  • Competitive fixed interest rate
  • Choice of annual or monthly interest payments
  • Save up to the annual statutory limit of £20,000 each tax year
  • Withdrawals ahead of term will be subject to a loss of interest penalty

what we like

  • Competitive fixed interest rate
  • No upper limit for ISA transfers
  • Tax-free savings up to the current limit of £20,000 each tax year

WHAT YOU NEED TO KNOW

  • Minimum deposit £1
  • Maximum account balance £2,000,000 across all Virgin Money accounts held
  • Competitive fixed interest rate
  • Choice of annual or monthly interest payments
  • Save up to the annual statutory limit of £20,000 each tax year
  • Withdrawals ahead of term will be subject to a loss of interest penalty

DISCLAIMER

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Great For: Competitive fixed rate ISA interest

4 stars question mark

Shawbrook Bank logo

  • Interest Rate (AER):

    1.00%

  • Account Type:

    3 Year Fixed Rate ISA

  • Account Minimum:

    £1,000

  • Account Maximum:

    £250,000

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Minimum deposit £1,000
  • Maximum account balance £250,000
  • Competitive fixed interest rate
  • If you want to transfer money from an existing ISA into this account, make sure to request this during application, as later requests may be denied
  • Choice of monthly or annual interest payments
  • Save up to the annual statutory limit of £20,000 each tax year
  • Withdrawals ahead of term will be subject to a loss of interest penalty

what we like

  • Competitive fixed interest rate
  • Choice of monthly or annual interest payments
  • Tax-free savings up to the current limit of £20,000 each tax year

WHAT YOU NEED TO KNOW

  • Minimum deposit £1,000
  • Maximum account balance £250,000
  • Competitive fixed interest rate
  • If you want to transfer money from an existing ISA into this account, make sure to request this during application, as later requests may be denied
  • Choice of monthly or annual interest payments
  • Save up to the annual statutory limit of £20,000 each tax year
  • Withdrawals ahead of term will be subject to a loss of interest penalty

DISCLAIMER

Show More