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Juno Hunt is a savings comparison service from MFG Management Services Limited (registered in the Isle of Man, company number 135041C; registered office Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN), part of Manx Financial Group. We list savings accounts from UK banks and building societies authorised by the Prudential Regulation Authority, and from NS&I, which is backed by HM Treasury. Manx Financial Group also owns Conister Bank: its accounts are ranked by rate alone like every other bank's and labelled "Our group".

Some banks pay us when you open an account through our link. That payment never changes the order of results. We don't give personal advice, and we never hold your money. Rates can change at any time, so check the details with the bank before you apply.

Juno is our mascot. She finds and ranks rates; she doesn't give advice, and neither do we.

The Co-operative Bank 2 Year Fixed Term Deposit: 4.25% AER | Juno Hunt

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The Co-operative Bank

2 Year Fixed Term Deposit

Fixed for 2 years · Checked by hand 3 November 2026

4.25%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £1,736.12 in 2 years, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: No withdrawals until the account matures.
Minimum: £1,000
Maximum: £1,000,000
Interest paid: Once a year
Manage by: Online, Branch
Who can apply: Monthly interest option available at a lower rate. Sole and joint accounts.
Where we read it: The Co-operative Bank's own page, 3 November 2026. We read this rate from the bank's own page by hand and recheck it at least weekly

Full details

What The Co-operative Bank's own website says about this account. See it on The Co-operative Bank's website. The rate at the top of this page is the one Juno checked most recently.

Ways to open: Online, Branch and Mobile appFrom The Co-operative Bank's website, checked 3 November 2026
Ways to manage it: Online, Phone, Branch and PostFrom The Co-operative Bank's website, checked 3 November 2026
Minimum age: 16 or overFrom The Co-operative Bank's website, checked 3 November 2026
Where you must live: UK residentFrom The Co-operative Bank's website, checked 3 November 2026
Joint accounts: AllowedFrom The Co-operative Bank's website, checked 3 November 2026
Existing customers only?: No, open to new customers tooFrom The Co-operative Bank's website, checked 3 November 2026
Ways to pay in: cash, cheque and bank transferFrom The Co-operative Bank's website, checked 3 November 2026
Minimum to open: £1,000From The Co-operative Bank's website, checked 3 November 2026
Maximum balance: £1,000,000From The Co-operative Bank's website, checked 3 November 2026
Charges or lost interest: No withdrawals until maturity.From The Co-operative Bank's website, checked 3 November 2026
Closing the account: Can close without charge within the 14 calendar day cooling off period.From The Co-operative Bank's website, checked 3 November 2026

"Not stated" means neither the bank's Summary Box nor the pages we checked said; it doesn't mean no. The bank's terms and conditions are the full agreement.

Can I open this?

Tick what applies to you to compare it with the conditions the bank states. Nothing you tick leaves this page.

Your age 16 or 17 18 or over

Do you live in the UK? Yes No

Already a The Co-operative Bank customer? Yes No

How you'd like to open it In the app Online In a branch

Account holders I want a joint account

This compares your answers with the conditions the bank states; it isn't a decision. The Co-operative Bank decides who can open the account, and runs its own checks when you apply.

Who holds your money

Deposit-taker: The Co-operative Bank, a trading name of The Co-operative Bank p.l.c.
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 121885)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £1,270m at 31 December 2024 (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with The Co-operative Bank p.l.c..

Shared licence: smile also uses this licence, so money there counts towards the same £120,000.

Check your total protection

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Rate history

Juno started tracking this rate on 2026-11-03. A history builds up from here.

Don't miss the end date

The term ends after 2 years. Add a reminder two weeks before. It goes straight into your calendar; we keep nothing.

Go to The Co-operative Bank to apply

You'll apply on The Co-operative Bank's own website. The Co-operative Bank may pay us if you open this account; that doesn't affect its position in our results.