3-Year Guaranteed Investment Bond
Lock in competitive returns for 3 years – Reliable growth, fixed interest.
FSCS Protected
100%
What is a 3-Year Guaranteed Investment Bond?
A 3-year Guaranteed Investment Bond is a fixed-rate bond, also referred to as a fixed interest bond It allows you to deposit a lump sum and earn a guaranteed rate of interest over a three-year period.
Once opened, your money is locked away for the full term, offering financial stability and peace of mind. However, if you do need to access your money unexpectedly you can withdraw it at any time during the 3 years without penalty, but you would only receive a small amount of growth.
These three year fixed-rate bonds are designed for those who don’t need access to their savings during the term and want certainty over their returns.
This 3-Year fixed rate bond is ideal for people with a lump sum to invest who are happy to lock away their money for three years.
Whether you're planning for the future or simply looking for a better rate than a standard savings account, the 3 year fixed bond option offer a balance between return and medium-term commitment.
These 3 year fixed rate bonds offer predictable growth without the need for savers to manage their account regularly.
- Guaranteed Interest Rate: Enjoy a fixed rate for the full term, giving you financial certainty.
- Protection from rate drops: If market rates fall, your interest rate remains the same.
- FSCS Protection: 100% covered by the Financial Services Compensation Scheme (FSCS).
- Simple and Secure: Set and forget. Once your investment is made, it grows quietly in the background.
At a glance
Invest between £5,000 - £250,000 per bond
Fixed 3-Year term
4.10% per annum offering 12.81% return over the full term
2nd Life available (optional)
Early withdrawal available (reduced return)
100% covered by the Financial Services Compensation Scheme (FSCS) (no upper limit)
Available for UK Residents aged 18+ only
Predictable Returns
Enjoy a guaranteed fixed interest rate for three years, unaffected by market changes.
FSCS Protection
Keep your savings secure with 100% FSCS protection.
Confident, Steady Growth
Grow your savings with confidence over three years, knowing your returns are reliable and consistent.
Please review the document below to confirm that the 3-Year Guaranteed Investment Bond is suitable for you.
The 3-year bond is designed for savers who can commit their funds for the full duration.
However, if you do need to access your money unexpectedly you can withdraw it at any time during the 3 years without penalty, but you would only receive a small amount of growth.
We are covered by the Financial Services Compensation Scheme (FSCS). If we cannot meet our obligations, you may be entitled to compensation under the scheme.
As this product is categorised as a life assurance product under the compensation scheme, it means you are covered for 100% of the claim with no upper limit for the claim amount in the unlikely event Unity Mutual default.
Further information on the scheme, the amounts covered and how it can be obtained from the FSCS, can be found at www.fscs.org.uk.
You’ll still receive the fixed rate agreed at the start. If you prefer flexibility, an alternative product may suit you better.
No. Our 3-year fixed-rate bonds offer a guaranteed interest rate that remains unchanged throughout the full three-year term. If you choose to withdraw your money early, a reduced interest rate will apply, as outlined in our terms and conditions.
There are no charges or fees for opening or managing your Bond. All costs are already included in the Bond’s terms and benefits.
Need to speak to someone about our investment bonds?
Our friendly customer service team is available to discuss any questions.
Or email insure@unitymutual.co.uk
If you need financial advice
If you're unsure whether a product is right for you, it's worth speaking to an Independent Financial Advisor (IFA).
You can find a local advisor at unbiased.co.uk. Keep in mind that financial advice may come with a fee, so be sure to ask about costs before receiving advice.
Related Articles
What our customers say
Need help?
Email us
Send us an email at insure@unitymutual.co.uk
Customer centre
Take a look at our customer centre