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 |  |
| £49,999.99 - £25,000.00 | 3.15 | 2.52 | 3.15 | |
|
| £24,999.99 - £10,000.00 | 3.05 | 2.44 | 3.05 | |
|
|
£9,999.99 - |
3.00 | 2.40 | 3.00 | |
|
| Monthly Interest | £50,000+ | 3.20 | 2.56 | 3.25 | |
| £49,999.99 - £25,000.00 | 3.11 | 2.49 | 3.15 | |
|
| £24,999.99 - £10,000.00 | 3.01 | 2.41 | 3.05 | |
|
| £9,999.99 - £100.00 |
2.96 | 2.37 | 3.00 | |
|
| 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 | |
| £49,999.99 - £25,000.00 | 3.60 | 2.88 | 3.56 | |
|
| £24,999.99 - £10,000.00 | 3.40 | 2.72 | 3.36 | |
|
| £9,999.99 - £100.00 |
3.25 | 2.60 | 3.22 | |
|
| Monthly Interest | £50,000+ | 3.64 | 2.91 | 3.70 | |
| £49,999.99 - £25,000.00 | 3.50 | 2.80 | 3.56 | |
|
| £24,999.99 - £10,000.00 | 3.31 | 2.65 | 3.36 | |
|
| £9,999.99 - £100.00 |
3.17 | 2.54 | 3.22 | |
|
| 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 |  |
| £49,999.99 - £25,000.00 |
3.90 | 3.12 | 3.90 | |
|
| £24,999.99 - £10,000.00 |
3.70 | 2.96 | 3.70 | |
|
| £9,999.99 - £100.00 |
3.45 | 2.76 | 3.45 | |
|
| Monthly Interest | £50,000+ | 3.93 | 3.14 | 4.00 | |
| £49,999.99 - £25,000.00 |
3.83 | 3.06 | 3.90 | |
|
| £24,999.99 - £10,000.00 |
3.64 | 2.91 | 3.70 | |
|
| £9,999.99 - £100.00 |
3.40 | 2.72 | 3.45 | |
|
| 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 | |
| £49,999.99 - £25,000.00 |
4.40 | 3.52 | 4.40 | |
|
| £24,999.99 - £10,000.00 |
4.20 | 3.36 | 4.20 | |
|
| £9,999.99 - £100.00 |
3.95 | 3.16 | 3.95 | |
|
| Monthly Interest | £50,000+ | 4.41 | 3.53 | 4.50 | |
| £49,999.99 - £25,000.00 |
4.31 | 3.45 | 4.40 | |
|
| £24,999.99 - £10,000.00 |
4.12 | 3.30 | 4.20 | |
|
| £9,999.99 - £100.00 |
3.88 | 3.10 | 3.95 | |
|
| 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 | |
| Interest All at Maturity | £100 - £10,000 | 21.55 | 17.24 | 5.00 | |
| 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.
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.
