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Best 5 year Fixed Deposit Rates for July 2026 | R100,000 investment

These are the best 5 year fixed deposit rates for individuals older than 55 looking to invest R100,000.

# Bank Nominal Total interest *
1
Fedgroup
Fedgroup Secured Investment (5 Years) 		8.65% R153.9k
2
Fedgroup
Fedgroup Secured Investment (5 Years) 		8.65% R153.9k
3
SA Retail Bonds
SA Retail Bonds Fixed Rates 		8.75% R153.4k
4
SA Retail Bonds
SA Retail Bonds Fixed Rates 		8.75% R153.4k
5
African Bank
African Bank Fixed Deposit 		8.43% R152.2k
6
African Bank
African Bank Fixed Deposit 		8.43% R152.2k
7
Investec
Investec Fixed Deposit Special 		8.26% R150.9k
8
Investec
Investec Fixed Deposit Special 		8.11% R149.8k
9
Nedbank
Nedbank Platinum Fixed Deposit 		8.05% R149.4k
10
Absa
Absa Dynamic Senior Fixed Deposit 		8% R149.0k
11
Nedbank
Nedbank Electronic OptimumPlus 		8% R149.0k
12
Standard Bank
Standard Bank Fixed Deposit 		7.97% R148.8k
13
Standard Bank
Standard Bank Fixed Deposit 		7.97% R148.8k
14
Absa
Absa Dynamic Fixed Deposit 		7.9% R148.2k
15
Nedbank
Nedbank Electronic Fixed Deposit 		7.9% R148.2k
16
Discovery
Discovery Fixed Deposit Account 		7.85% R147.9k
17
Discovery
Discovery Fixed Deposit Account 		7.85% R147.9k
18
Capitec
Capitec Fixed-Term Savings 		7.8% R147.5k
19
FNB
FNB Senior Preferential Fixed Deposit 		7.8% R147.5k
20
Access Bank Plc
Access Bank Fixed Deposit 		7.75% R147.1k
21
Access Bank Plc
Access Bank Fixed Deposit 		7.75% R147.1k
22
FNB
FNB Senior Fixed Deposit 		7.4% R144.6k
23
Absa
Absa Senior Digital Bonus Fixed Deposit 		7.35% R144.3k
24
FNB
FNB Fixed Deposit 		7.3% R143.9k
25
Absa
Absa Standard Digital Bonus Fixed Deposit 		7.25% R143.5k
26
SA Retail Bonds
SA Retail Bonds Inflation Linked 		4.5% R124.9k
27
SA Retail Bonds
SA Retail Bonds Inflation Linked 		4.5% R124.9k
(*) Total interest: estimated total interest earned for a R100,000 investment. Interest paid out at maturity