5 Year Fixed Rate Bond

Lock into a fixed rate of 1.40% AER payable annually after five years.

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Great interest rates
Get a fixed rate of 1.40% AER. This is a guaranteed return of 7.20% on your investment over the five year investment period.
Save up to £125,000

You choose how much to put away. Save any amount from £1,000
to £125,000.

Unlimited FSCS protection

Even if you save up to the maximum of £125,000, your savings are completely covered.

A Shepherds Friendly 5 Year Fixed Rate Bond lets you save for the future safe in the knowledge that you’re getting a guaranteed return on your savings.

  • To open a plan you must be at least 18 years old and live in the UK
  • The investment must remain with us for the 5-year term to receive the 1.40% AER return
  • As a life assurance savings plan, a lump sum is paid if you die

With our 5 Year Fixed Rate Bond, you can rest easy knowing that your money is growing, which lets you plan for your years ahead with certainty.

We’re a financial mutual that’s built on fairness. Everything we do is for our members, not shareholders, and all profits made are paid to you or re-invested for your benefit.

Our members love that we do things the right way

Nine out of 10 members would recommend us for the way we help their savings grow.

Helping our members benefit for almost 200 years

The world’s changed a lot since 1826 but our idea of fairness remains the same.

When you’re member-owned, it matters more

We take the financial future of every member personally, because you’re one of us.

Now’s the perfect time to start saving for your long-term financial future. Download the documents below to get up to speed with exactly how the Shepherds Friendly 5 Year Fixed Rate Bond works.

  • Inflation may affect the purchasing value of your investment in the future
  • If you die during the term of your plan, then your estate will receive a guaranteed lump sum
  • No early withdrawals from the plan are allowed, except in exceptional circumstances
  • When your Bond matures, we’ll send you a Chargeable Event Certificate. Higher-rate taxpayers should include this in their tax return
  • We pay tax on the fund that generates any returns on the Bond. Higher-rate taxpayers may have to pay additional tax when the Bond matures or money is withdrawn

All references to taxation are to UK taxation and are based on Shepherds Friendly Society’s understanding of current legislation and H M Revenue and Customs practice which may change in the future. Please ensure that you read the full terms and conditions of this plan which are available from your financial adviser or by contacting us directly.

Please note: No advice has been provided by Shepherds Friendly. If you are in any doubt as to whether a plan is suitable for you, we recommend getting in touch with a financial adviser, who will be happy to take you through what options are available. Should you consult a financial adviser there could be a cost involved and you should confirm this cost beforehand.