Best Interest Rates on Fixed Term Deposit Accounts

A List of the best interest rates on Fixed Term deposit accounts available in Ireland. (Net of DIRT)

Updated November 30th 2022

The Interest Figures in bold are after DIRT where applicable. (DIRT used is  33%  )

10 Years Fixed


5 Years Fixed

  • 2.11% AER  YouNited via Raisin.ie (3.15% before DIRT) Min €2k
  • 1.89% AER Privatbanka via Raisin (2.83% before DIRT) Min €5k

  • 0.59%  AER State Savings Certificates 18th issue


4 Years Fixed

  • 2.13% (3.19% before DIRT) Banca Privata Leasing via Raisin.ie
  • 2.07% AER (3.1% Before DIRT) Younited Via Raisin
  • 0.5% AER State Savings National Solidarity Bond

3 Years Fixed

  • 2.04%  Younited via Raisin.ie (3.05% before DIRT) # Min €2000 ;Max €100,000)

  • 2.02% J&T BluOr Bank via Raisin.ie (3.02% before DIRT) # No Minimum . Max €100,000)

  • 0.33% AER – State Savings: Savings Bond (Issue 17)

2 Years Fixed

  •   1.92%  BluOr Bank via Raisin.ie (2.87% before DIRT) # Max €100,000)
  •   1.91% PrivatBanka via Raisin.ie (2.86% before DIRT)


# BluOr Bank is based in Latvia – Funds are protected in full by the Latvian Deposit Guarantee Scheme for amounts up to EUR 100,000 per customer

Younited Credit SA (“Younited”) is an online banking platform headquartered in Paris, France. Funds are covered by the French deposit guarantee fund for amounts up to EUR 100,000 per customer .


Banca Privata Leasing is an independent, private bank, specialising in leasing and online deposit-taking. Deposits are guaranteed up to an amount of EUR 100,000 per customer by the Italian deposit guarantee fund.






More about Raisin Bank

Best Instant Access Deposit Rates

Best Rates on Regular Saver Accounts

Best 1 Year Fixed Deposit Interest Rates

If you are thinking of alternative forms of investment – such as stocks and shares – you should take a look at our article Where to Buy Shares Online in Ireland