Compare 1 Year Fixed Rate ISAs

Compare the interest rates paid on the best 1 year fixed rate ISAs available in the UK and find the best one year ISA for your savings in minutes. Our dedicated 1 year fixed rate ISA comparison table helps you compare all 1 year cash ISA accounts at a glance so you can make the most of your ISA savings.
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Halifax 1 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5001.65% fixed
for 1 year
FSCSallowed
No additional deposits or withdrawals. Early closure is allowed subject to the loss of 90 days tax free interest.
 
Punjab National Bank (International) Ltd 1 Year - < 2 Year Fxd Rate ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0002.15% fixed
for 1 year
FSCSallowed
Available in branch only.
 
Saffron Building Society One Year Fixed Rate Members Cash ISA Ex/C
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5001.75% fixed
for 1 year
FSCSallowed
 
Bank of Cyprus UK Loyalty 1 Year Fixed Rate ISA Ex/C
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5001.7% fixed
for 1 year
FSCSallowed
This product is only available to existing customers.
 
Cambridge Building Society 1 Year Fixed Rate ISA Issue 19 Ex/C
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5001.7% fixed
for 1 year
FSCSnot allowed
 
Tesco Bank Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£11.65% fixed
for 1 year
FSCSallowed
 
Aldermore 1 Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0001.6% fixed
for 1 year
-allowed
 
Bank of Cyprus UK 1 Year Fixed Rate ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5001.6% fixed
for 1 year
FSCSallowed
 
Clydesdale Bank Cash ISA Fixed Rate Bond (Issue 23)
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£2,0001.6% fixed
for 1 years
FSCSallowed
Available in branch only.
 
Julian Hodge Bank Cash ISA 1 Year
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5,7601.6% fixed
for 1 year
FSCSallowed
 
Yorkshire Bank Cash ISA Fixed Rate Bond (Issue 23)
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£2,0001.6% fixed
for 1 years
FSCSallowed
Available in branch only.
 
Kent Reliance Flexible Fixed Rate ISA One Year Issue 14
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0001.55% fixed
for 1 year
FSCSallowed
 
Kent Reliance Flexible Fixed Rate ISA One Year Issue 14 Month
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0001.55% fixed
for 1 year
FSCSallowed
 
Bank of Scotland 1 Year Fixed Cash ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5001.5% fixed
for 1 year
FSCSallowed
 
Buckinghamshire B.S. 1 Year Fixed Rate Cash ISA Issue 39
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1001.5% fixed
for 1 year
FSCSnot allowed
 
Cambridge Building Society 1 Year Fixed Rate ISA Issue 18
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5001.5% fixed
for 1 year
FSCSnot allowed
 
Cheshire 1 Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1001.5% fixed
for 1 year
FSCSallowed
Available in branch only.
 
Cumberland 1 Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5,7601.5% fixed
for 1 year (21 Apr 2015)
FSCSallowed
Available in branch only.
 
Derbyshire Building Society Fixed Rate Cash ISA (Issue 81)
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1001.5% fixed
until 31 May 2015
FSCSallowed
Available in branch only.
 
Dunfermline Building Society Fixed Rate Cash ISA (Issue 71)
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1001.5% fixed
until 31 May 2015
FSCSallowed
Available in branch only.
 

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How to Choose the Best 1 Year Fixed Rate ISA

Find out what you need to consider when you're looking to open a 1 year fixed rate ISA.

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A 1 year fixed ISA provides a guaranteed rate of return for one year.

You cannot withdraw the money before the end of the year and if you do, most banks will apply an interest penalty. This is usually in the range of 60 to 90 days worth of interest so can reduce the return on your money considerably.

In short, only go for a 1 year bond ISA if you are certain you will not need the money for at least a year.

Before you compare 1 year fixed rate ISAs you need to consider whether you want to transfer in money you’ve saved using previous years’ ISA allowances. If so you need to restrict your search to the best 1 year cash ISA providers that will allow incoming transfers.

It’s then simply a case of finding the 1 year fixed ISA that will offer the best return.

The best paying instant access cash ISAs often pay a rate of interest that’s equal to the returns available on 1 year fixed term ISAs. However, they do offer the reassurance of a guaranteed return on your money, something that’s not available with one of their variable rate counterparts.

You need to remember that event the best 1 year fixed cash ISA rates drop substantially after the first year. Therefore, be prepared to either transfer the funds into a new 1 year ISA or transition to a longer term fixed term ISA after this time.

It’s also worth bearing in mind that higher returns are usually available from longer fixed term ISAs.

This is counteracted by the very low minimum deposit required to open the account - some banks will accept as little as £ 1 as an initial deposit so they’re more accessible if you don’t have a significant amount in savings.

If you are looking for convenience in operating your account, you need to think about whether you want online access and if so look for ISA providers that offer suitable accounts. Some banks will restrict transactions to branch and you might find that too limiting.

Whereas most ISA products from a UK bank are guaranteed by the FCFS up to £85,000 per individual per financial institution, not all 1 year fixed term ISAs will fall under this protection. Get clarification to be certain your ISA will be fully protected. After all, if you are looking got the best 1 year ISA the security of your deposit is paramount.

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