3-Year Guaranteed Investment Bond

The 3-Year Guaranteed Investment 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 three years without penalty, but you would only receive a small amount of growth. Please refer to our product Terms and Conditions for full details.

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 Guaranteed Investment 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 direct account or management fees on our fixed-rate bonds, however if you withdraw before the end of your fixed term, an early withdrawal interest penalty will apply. The capital (original investment) would not be reduced, but you would receive less interest than the agreed fixed rate.