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Best 3 year Fixed Deposit Rates for July 2026 | R10,000 investment

These are the best 3 year fixed deposit rates for individuals older than 55 looking to invest R10,000.

# Bank Nominal Total interest *
1
GoTyme Bank
GoTyme Bank Fixed Deposit 		8.58% R12.9k
2
GoTyme Bank
GoTyme Bank Fixed Deposit 		8.58% R12.9k
3
SA Retail Bonds
SA Retail Bonds Fixed Rates 		8.25% R12.7k
4
SA Retail Bonds
SA Retail Bonds Fixed Rates 		8.25% R12.7k
5
Absa
Absa Dynamic Senior Fixed Deposit 		7.7% R12.6k
6
Discovery
Discovery Fixed Deposit Account 		7.65% R12.6k
7
Discovery
Discovery Fixed Deposit Account 		7.65% R12.6k
8
Access Bank Plc
Access Bank Fixed Deposit 		7.6% R12.6k
9
Access Bank Plc
Access Bank Fixed Deposit 		7.6% R12.6k
10
Absa
Absa Dynamic Fixed Deposit 		7.5% R12.5k
11
Standard Bank
Standard Bank Fixed Deposit 		7.46% R12.5k
12
FNB
FNB Senior Preferential Fixed Deposit 		7.4% R12.5k
13
Nedbank
Nedbank Platinum Fixed Deposit 		7.15% R12.4k
14
Nedbank
Nedbank Electronic OptimumPlus 		7.15% R12.4k
15
Nedbank
Nedbank Electronic Fixed Deposit 		7.1% R12.4k
16
African Bank
African Bank Fixed Deposit 		7.02% R12.3k
17
African Bank
African Bank Fixed Deposit 		7.02% R12.3k
18
FNB
FNB Senior Fixed Deposit 		7% R12.3k
19
Standard Bank
Standard Bank Fixed Deposit 		6.99% R12.3k
20
Capitec
Capitec Fixed-Term Savings 		6.9% R12.3k
21
FNB
FNB Fixed Deposit 		6.9% R12.3k
22
Absa
Absa Senior Digital Bonus Fixed Deposit 		6.65% R12.2k
23
Absa
Absa Standard Digital Bonus Fixed Deposit 		6.45% R12.1k
24
SA Retail Bonds
SA Retail Bonds Inflation Linked 		4.25% R11.3k
25
SA Retail Bonds
SA Retail Bonds Inflation Linked 		4.25% R11.3k
(*) Total interest: estimated total interest earned for a R10,000 investment. Interest paid out at maturity