Best 3 year Fixed Deposit Rates for July 2026 | R100,000 investment

These are the best 3 year fixed deposit rates for individuals older than 55 looking to invest R100,000.

#	Bank	Min Age	Min Deposit	Nominal	Total interest *
1	GoTyme Bank GoTyme Bank Fixed Deposit	18	R1	8.58%	R129.3k
2	GoTyme Bank GoTyme Bank Fixed Deposit	55	R1	8.58%	R129.3k
3	SA Retail Bonds SA Retail Bonds Fixed Rates	18	R1	8.25%	R127.4k
4	SA Retail Bonds SA Retail Bonds Fixed Rates	55	R1	8.25%	R127.4k
5	Absa Absa Dynamic Senior Fixed Deposit	55	R100k	7.75%	R126.1k
6	Standard Bank Standard Bank Fixed Deposit	18	R100k	7.69%	R125.9k
7	Standard Bank Standard Bank Fixed Deposit	55	R100k	7.69%	R125.9k
8	Discovery Discovery Fixed Deposit Account	18	R10k	7.65%	R125.7k
9	Discovery Discovery Fixed Deposit Account	55	R10k	7.65%	R125.7k
10	Absa Absa Dynamic Fixed Deposit	18	R100k	7.6%	R125.5k
11	Access Bank Plc Access Bank Fixed Deposit	18	R25k	7.6%	R125.5k
12	Access Bank Plc Access Bank Fixed Deposit	55	R25k	7.6%	R125.5k
13	Nedbank Nedbank Platinum Fixed Deposit	18	R100k	7.45%	R125.0k
14	Capitec Capitec Fixed-Term Savings	18	R50k	7.4%	R124.8k
15	FNB FNB Senior Preferential Fixed Deposit	55	R10k	7.4%	R124.8k
16	Nedbank Nedbank Electronic OptimumPlus	55	R25k	7.35%	R124.6k
17	Nedbank Nedbank Electronic Fixed Deposit	18	R25k	7.3%	R124.4k
18	African Bank African Bank Fixed Deposit	18	R50k	7.26%	R124.3k
19	African Bank African Bank Fixed Deposit	55	R50k	7.26%	R124.3k
20	FNB FNB Senior Fixed Deposit	55	R10k	7%	R123.3k
21	FNB FNB Fixed Deposit	18	R10k	6.9%	R122.9k
22	Absa Absa Senior Digital Bonus Fixed Deposit	55	R100k	6.7%	R122.2k
23	Absa Absa Standard Digital Bonus Fixed Deposit	18	R100k	6.55%	R121.6k
24	SA Retail Bonds SA Retail Bonds Inflation Linked	18	R1	4.25%	R113.4k
25	SA Retail Bonds SA Retail Bonds Inflation Linked	55	R1	4.25%	R113.4k

(*) Total interest: estimated total interest earned for a R100,000 investment. Interest paid out at maturity