Fixed rate bonds

A fixed rate bond with the Cheshire offers your savings a secure home and a guaranteed return on your investment. You can choose whether you want to fix for short term or long term.

You can print an application form for all our savings bonds and choose to have your interest paid monthly, annually or at maturity, depending on your chosen bond.


1 Year
18 Month
2 Year
3 Year
Children's Fixed Rate Savings Bond
1 Year Fixed Rate Bond - online, phone & branch customers
Investment Gross Rate % Net Rate % AER % Print Application Form
Interest at Maturity £50,000+ 3.25 2.60 3.25 Print Application Form Now - 1 Year Fixed Rate Bond
£49,999.99 - £25,000.00 3.15 2.52 3.15 Print Application Form Now - 1 Year Fixed Rate Bond
£24,999.99 - £10,000.00 3.05 2.44 3.05 Print Application Form Now - 1 Year Fixed Rate Bond

£9,999.99 -
£100.00

3.00 2.40 3.00 Print Application Form Now - 1 Year Fixed Rate Bond
Monthly Interest £50,000+ 3.20 2.56 3.25 Print Application Form Now - 1 Year Fixed Rate Bond
£49,999.99 - £25,000.00 3.11 2.49 3.15 Print Application Form Now - 1 Year Fixed Rate Bond
£24,999.99 - £10,000.00 3.01 2.41 3.05 Print Application Form Now - 1 Year Fixed Rate Bond
£9,999.99 -
£100.00
2.96 2.37 3.00 Print Application Form Now - 1 Year Fixed Rate Bond
Find out more about 1 Year Fixed Rate Bond    Previous rates
18 Month Fixed Rate Bond - online, phone & branch customers
Investment Gross Rate % Net Rate % AER % Print Application Form
Interest at Maturity £50,000+ 3.75 3.00 3.70 Print Application Form Now - 18 Month Fixed Rate Bond
£49,999.99 - £25,000.00 3.60 2.88 3.56 Print Application Form Now - 18 Month Fixed Rate Bond
£24,999.99 - £10,000.00 3.40 2.72 3.36 Print Application Form Now - 18 Month Fixed Rate Bond
£9,999.99 -
£100.00
3.25 2.60 3.22 Print Application Form Now - 18 Month Fixed Rate Bond
Monthly Interest £50,000+ 3.64 2.91 3.70 Print Application Form Now - 18 Month Fixed Rate Bond
£49,999.99 - £25,000.00 3.50 2.80 3.56 Print Application Form Now - 18 Month Fixed Rate Bond
£24,999.99 - £10,000.00 3.31 2.65 3.36 Print Application Form Now - 18 Month Fixed Rate Bond
£9,999.99 -
£100.00
3.17 2.54 3.22 Print Application Form Now - 18 Month Fixed Rate Bond
Find out more about 18 month fixed rate bond     Previous rates
2 Year Fixed Rate Bond - online, phone & branch customers
Investment Gross Rate % Net Rate % AER % Print Application Form
Annual Interest £50,000+ 4.00 3.20 4.00 Print Application Form Now - 2 Year Fixed Rate Bond
£49,999.99 -
£25,000.00
3.90 3.12 3.90 Print Application Form Now - 2 Year Fixed Rate Bond
£24,999.99 -
£10,000.00
3.70 2.96 3.70 Print Application Form Now - 2 Year Fixed Rate Bond
£9,999.99 -
£100.00
3.45 2.76 3.45 Print Application Form Now - 2 Year Fixed Rate Bond
Monthly Interest £50,000+ 3.93 3.14 4.00 Print Application Form Now - 2 Year Fixed Rate Bond
£49,999.99 -
£25,000.00
3.83 3.06 3.90 Print Application Form Now - 2 Year Fixed Rate Bond
£24,999.99 -
£10,000.00
3.64 2.91 3.70 Print Application Form Now - 2 Year Fixed Rate Bond
£9,999.99 -
£100.00
3.40 2.72 3.45 Print Application Form Now - 2 Year Fixed Rate Bond
Find out more about 2 year fixed rate bond    Previous rates
3 Year Fixed Rate Bond - online, phone & branch customers
Investment Gross Rate % Net Rate % AER % Print Application Form
Annual Interest £50,000+ 4.50 3.60 4.50 Print Application Form Now - 3 Year Fixed Rate Bond
£49,999.99 -
£25,000.00
4.40 3.52 4.40 Print Application Form Now - 3 Year Fixed Rate Bond
£24,999.99 -
£10,000.00
4.20 3.36 4.20 Print Application Form Now - 3 Year Fixed Rate Bond
£9,999.99 -
£100.00
3.95 3.16 3.95 Print Application Form Now - 3 Year Fixed Rate Bond
Monthly Interest £50,000+ 4.41 3.53 4.50 Print Application Form Now - 3 Year Fixed Rate Bond
£49,999.99 -
£25,000.00
4.31 3.45 4.40 Print Application Form Now - 3 Year Fixed Rate Bond
£24,999.99 -
£10,000.00
4.12 3.30 4.20 Print Application Form Now - 3 Year Fixed Rate Bond
£9,999.99 -
£100.00
3.88 3.10 3.95 Print Application Form Now - 3 Year Fixed Rate Bond
Find out more about 3 Year fixed rate bond    Previous rates
Children's Fixed Rate Savings Bond - Only available to children aged 14 and under
Investment Gross Rate % Net Rate % AER % Print Application Form
Annual Interest £100 - £10,000 5.00 4.00 5.00 Find your nearest branch - Children's Fixed Rate Bond
Interest All at Maturity £100 - £10,000 21.55 17.24 5.00 Find your nearest branch - Children's Fixed Rate Bond
Find out more about Children's Fixed Rate Savings Bond    Previous rates

Please note the Children's Fixed Rate Savings Bond must be opened by an adult aged 18 or over on behalf of a child aged 14 or under.

Important information

1. Please be aware that all fixed rate bonds are limited edition and can be withdrawn without notice.
If when we receive your application this product has been withdrawn, we will contact you by post to discuss other available options.
2. Due to popular demand, we will aim to set up your account within 15 working days, following the receipt of your signed application form and cheque. Incomplete or incorrectly completed application forms and applications without cheques included will take longer to process.
3. The opening of your account will be backdated to the date we received your fully completed application form and cheque. Cheque deposits start earning interest from the second working day following the receipt of your cheque, regardless of application processing times.