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3 year Fixed rate bonds
AER/Gross
Compare 3 year fixed rate products with an Active Savings Account
What are 3 year fixed rate bonds?
3 year fixed rate bonds (also known as “3 year fixed rate savings” or “fixed term savings products”) are cash savings products. You put your money away for a set amount of time, and in return get a fixed amount of interest on your cash.
Usually, you won’t be able to withdraw your cash until the term ends. So before locking your money away, make sure you won’t need the money for three years.
If you’ll need the money sooner than three years, you might consider a shorter fixed term product. Remember to also keep some money available for emergencies in easy access savings.
Fixed rate savings – done right
Active Savings is an online savings platform. It gives you access to a wide range of fixed term and easy access savings products from our banking partners - all in one place.
Better rates
Choose from a range of consistently competitive fixed term rates.
More control
Save in terms from a few months to several years. See your savings next to each other.
One platform
Manage your cash in a few clicks. Through a single login.
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savings products
Please note products can be added or withdrawn at any time. Please note that one of Hargreaves Lansdown’s Non-Executive Directors holds the position of Senior Independent Director at Investec Bank.
Market leading rates were last checked against Moneyfacts on 29 Aug 2024 at 9:44am.
What do AER and Gross mean?
AER (Annual Equivalent Rate)
Shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products.
Gross
The interest rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change.
What does expected profit rate mean?
Expected profit rate
Islamic banks offer an expected profit rate, rather than interest on their savings products, in order to comply with Sharia banking principles. They are authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Any eligible deposits up to £85,000 are covered under the FSCS. More about Sharia banking
Zero fee savings
We don’t charge you directly, instead we charge our banking partners. This means the same or similar products offered directly by the banks and building societies may have different rates to those available with an Active Savings Account.
Savings calculator
Use our savings calculator to find out how much better off you could be.
Your savings are protected by the FSCS
Each of the banking partners you save with has Financial Services Compensation Scheme (FSCS) cover. Eligible deposits are protected up to £85,000 per banking licence.
Why choose HL for your savings?
- Security - we're a FTSE 100 company, trusted by over one million clients and regulated by the Financial Conduct Authority
- Expertise - we have been helping our clients make more of their money for over 40 years
- Ease - check your savings anytime online
- Award-winning - we've won over 200 awards across the HL service
- UK-based helpdesk - speak to our friendly client support experts based near the Bristol Harbourside
3
steps to
start saving
Step 1
Open an Active Savings Account
Or log into your HL account if you're already a client. Make sure you read the important information.
Step 2
Start with just £1
Add money with a debit card, or move across any uninvested cash in your Fund and Share Account.
Step 3
Choose your products
Select from the range of competitive rates available. Minimum deposit requirements to individual products vary so please check carefully.
3 year fixed rate bond FAQs
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Savings Essentials
All the information you need for cash savings
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ISAs vs Savings Accounts
We explain the differences between ISAs and other savings accounts, and how to decide which is right for your financial goals.
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Transform your savings today
You can get started with Active Savings online in minutes.
The Active Savings service makes it easy to choose the best products for me.MR WHITE, Somerset
So easy to have all my savings in one place, with multiple providers.
MR VOISEY, Bridgend Mid Glam
HL Awards
BEST FOR CUSTOMER SERVICE 2022
Boring Money
GOLD FOR CUSTOMER EXPERIENCE 2022
Times Money Mentor
Help and support
If you have any questions about Active Savings, you can speak to one of our client support experts.
This website is issued by Hargreaves Lansdown Asset Management Limited (company number 1896481), which is authorised and regulated by the Financial Conduct Authority with firm reference 115248.
The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 915119). Hargreaves Lansdown Savings Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference 901007 for the issuing of electronic money.
Hargreaves Lansdown Asset Management Limited and Hargreaves Lansdown Savings Limited are subsidiaries of Hargreaves Lansdown plc (company number 2122142).