5 Years
Fixed Term Savings
Secure your money for a fixed term
Make your money work harder by securing it in an RCI Bank fixed term savings account - when your savings are in a great place, you are too.
5 Years : 1.40% AER gross
With a rewarding rate and our 7 day service, the RCI Bank Fixed Term Account is perfectly designed to help you save for the future.
  • Unlimited top-ups for the first 14 days
  • No fees or bonus periods
  • Pay in from £1,000 up to £1m
  • Interest paid monthly or annually
  • You can't close your account or make a withdrawal before the end of the term
  • Trusted by more than 75,000 UK customers
  • Apply in minutes
5 Years
1.40%
AER gross
  • Unlimited top-ups for the first 14 days
  • No fees or bonus periods
  • Pay in from £1,000 up to £1m
  • Interest paid monthly or annually
  • You can't close your account or make a withdrawal before the end of the term
  • Trusted by more than 75,000 UK customers
  • Apply in minutes
What could your savings earn you?
Enter an amount into the calculator and learn more about what interest your savings could earn
Our rates and charges:
The rate shown is available to new and existing customers and is kept the same for fixed term accounts opened and funded within 14 days of application
The account is free to access and use, and allows you to make as many deposits as you like for the first 14 days from the date you apply
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year
Gross is the interest rate you'll receive before tax is deducted
Important information:
Fixed Term Savings are available to UK residents aged 18 years or older who have the right to reside indefinitely within the UK
You can't make any withdrawals during the term
You need to pay in and out through an RCI Bank savings account or a 'linked' UK current account. You can link a UK current account when you apply
If you're not happy with the account, you have up to 14 days to cancel your account

Our Customer Services team are currently experiencing very high volumes of applications, calls and correspondences, resulting in service times that are longer than usual. Unfortunately your wait time to get through to us, or to receive a response from us, is taking longer than we would like. If you have already emailed or messaged us, please know we are working through it as quickly and as soon as possible. Please bear with us, and we ask that you do not send repeat emails and secure messages as this may add to the delay.

Our website remains available 24/7 so you can apply, access and manage your account online as usual. Thank you for your continued patience at this time.