What is the best Yorkshire Fixed Rate ISA?
A Fixed Rate ISA is a type of savings account where you agree to lock your money away for a set period, in return for a fixed interest rate. You’ll be protected from falling interest rates and all your interest will be tax-free, but you won’t be able to make any withdrawals until the end of your fixed period.
In this guide, we’ll cover all the Fixed Rate ISAs currently offered by Yorkshire Building Society. If you’re looking for the best Fixed Rate ISA available across the market, keep in mind that the familiar high-street banks don’t always offer the most competitive rates.
Withdrawing funds before maturity will incur a charge. Partial withdrawals from some Fixed Rate ISAs are restricted. Tax treatment depends on individual circumstances and may be subject to change in the future
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What is Yorkshire Building Society’s best Fixed Rate ISA?
Yorkshire Building Society’s current best Fixed Rate ISA is their 1 Year Fixed Rate Cash eISA which offers 3.75% AER (fixed) interest rate. You’ll be able to access your funds penalty-free from the end of this fixed term, but if you withdraw your money or close the account before then be charged a withdrawal penalty equivalent to 90 days’ interest.
It’s a good idea to compare Fixed Rate ISAs from a number of providers before making a decision, as high street banks and building societies don’t always offer the most competitive rates.
What are the current Yorkshire Building Society Fixed Rate ISAs?
Yorkshire Building Society currently offers three Fixed Rate ISAs, with rates ranging from 3.75% AER (fixed) for locking away your savings for a year, to 3.60% AER (fixed) for locking away your funds until 2030.
- 1 Year Fixed Rate Cash eISA: 3.75% AER (fixed). Interest is paid once at the end of the term. Open with £100 or more and you can continue adding money for at least 30 days after opening your account. You’ll need to agree to lock your money away until the end of the term. If you want to close your account or withdraw your funds before the end of this period, you’ll pay a charge equivalent to 90 days’ loss of interest on the amount you withdraw.
- 3 Year Fixed Rate Cash eISA: 3.70% AER (fixed). Interest is paid once a year. You can open this account with £100 or more and you can continue adding money for at least 30 days after opening the account. As a fixed rate ISA, you’ll need to agree to lock your money away until the end of the term. If you want to close your account or withdraw your funds before the end of this period, you’ll pay a charge equivalent to 270 days’ loss of interest on the amount you withdraw.
- 5 Year Fixed Rate Cash eISA: 4.05% AER (fixed). Interest is paid once a year. You can open this account with £100 or more and you can continue adding money for at least 30 days after opening the account. As a fixed rate ISA, you’ll need to agree to lock your money away until the end of the term. If you want to close your account or withdraw your funds before the end of this period, you’ll pay a charge equivalent to 360 days’ loss of interest on the amount you withdraw.
You can compare all Yorkshire Building Society Cash ISAs here.
Source: Yorkshire Building Society ISAs. Rates accurate as of May 2025.
Can I withdraw money from a Yorkshire Fixed Rate ISA?
Yes, you can withdraw your money from a Yorkshire Building Society Fixed Rate Cash ISA, but if you withdraw before the end of your fixed term, you’ll pay an early access charge. This will be equal to 90 days' interest if you’ve chosen to lock your money away for a year, 270 days’ interest if you’ve fixed until 2028, and 360 days’ interest if you’ve fixed until 2030.
Can I transfer money into a Yorkshire Fixed Rate ISA?
Yes, you can transfer money into a Yorkshire Building Society Fixed Rate ISA. If you already have an account with YBS, you can open an account online and request an ISA transfer as part of the application process. If you don’t already have an ISA with YBS, you’ll need to open an account first and request a transfer once you’ve received your customer number and your new ISA is set up. If you’d like to open an account in a branch or by post, you’ll need to request a transfer form and include this in your application.
How to find the best Fixed ISA Rates
There are lots of Fixed Rate ISAs to choose from, across high-street banks, building societies and modern app-based providers. Opening an ISA with the provider you currently bank with may seem like the easiest option, especially if you’ve been with them for many years and you’ve never had any issues. However, you may find a much higher interest rate and better customer service elsewhere!
Plus, by switching to a more competitive interest rate, you’ll reach your savings goals sooner and reduce the impact inflation has on your money.
To find the right Fixed Rate ISA for you, it’s a good idea to compare multiple accounts from different providers before making a decision. The interest rate is important, but look for a provider with excellent reviews and intuitive savings features too. Once you’ve found the right one, you can usually open an account in minutes.
We’re launching a Fixed Rate ISA!
Keep your eyes peeled for the launch of our latest competitive savings product very soon. In the meantime, check out the other accounts we offer
