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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.

RCI Bank 5 Years Fixed Term Savings: 5.00% AER | Juno Hunt

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5 Years Fixed Term Savings

Fixed for 5 years · Checked 3 Nov 2026, 10:00

5.00%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £5,525.63 in 5 years, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: No withdrawals until the term ends; unlimited top-ups in the first 14 days.
Minimum: £1,000
Maximum: £1,000,000
Interest paid: Once a year
Manage by: Online
Who can apply: UK resident aged 18+. Interest paid monthly or annually.
Where we read it: RCI Bank's own page, 3 November 2026

Full details

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

Ways to open: OnlineFrom RCI Bank's website, checked 3 November 2026
Ways to manage it: Online and Mobile appFrom RCI Bank's website, checked 3 November 2026
Minimum age: 18 or overFrom RCI Bank's website, checked 3 November 2026
Where you must live: resident in the UK with the right to remain indefinitelyFrom RCI Bank's website, checked 3 November 2026
Joint accounts: AllowedFrom RCI Bank's website, checked 3 November 2026
Ways to pay in: bank transfer from linked UK current account and transfer from another RCI Bank savings accountFrom RCI Bank's website, checked 3 November 2026
Minimum to open: £1,000From RCI Bank's website, checked 3 November 2026
Maximum balance: £1,000,000From RCI Bank's website, checked 3 November 2026
Charges or lost interest: No withdrawals before the end of the fixed termFrom RCI Bank's website, checked 3 November 2026
Closing the account: Cannot be closed before the end of the term except in certain circumstances; can cancel within 14 days of openingFrom RCI 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 RCI 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. RCI Bank decides who can open the account, and runs its own checks when you apply.

Who holds your money

Deposit-taker: RCI Bank, a trading name of RCI Bank UK Limited
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 815220)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £724m at 31 December 2024 (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with RCI Bank UK Limited.

Check your total protection

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Rate history

No change since tracking began.

Don't miss the end date

The term ends after 5 years. Add a reminder two weeks before. It goes straight into your calendar; we keep nothing.

Go to RCI Bank to apply

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