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

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

#	Bank	Min Age	Min Deposit	Nominal	Total interest *
1	SA Retail Bonds SA Retail Bonds Fixed Rates	18	R1	9.25%	R157.2k
2	SA Retail Bonds SA Retail Bonds Fixed Rates	55	R1	9.25%	R157.2k
3	Fedgroup Fedgroup Secured Investment (5 Years)	18	R1	8.65%	R153.9k
4	Fedgroup Fedgroup Secured Investment (5 Years)	55	R1	8.65%	R153.9k
5	Investec Investec Fixed Deposit Special	55	R100k	8.58%	R153.3k
6	Investec Investec Fixed Deposit Special	18	R100k	8.43%	R152.2k
7	Discovery Discovery Fixed Deposit Account	18	R10k	8.05%	R149.4k
8	Discovery Discovery Fixed Deposit Account	55	R10k	8.05%	R149.4k
9	Standard Bank Standard Bank Fixed Deposit	18	R100k	8.05%	R149.3k
10	Standard Bank Standard Bank Fixed Deposit	55	R100k	8.05%	R149.3k
11	Absa Absa Dynamic Senior Fixed Deposit	55	R100k	8%	R149.0k
12	African Bank African Bank Fixed Deposit	18	R50k	7.96%	R148.7k
13	African Bank African Bank Fixed Deposit	55	R50k	7.96%	R148.7k
14	Absa Absa Dynamic Fixed Deposit	18	R100k	7.9%	R148.2k
15	Access Bank Plc Access Bank Fixed Deposit	18	R25k	7.75%	R147.1k
16	Access Bank Plc Access Bank Fixed Deposit	55	R25k	7.75%	R147.1k
17	Nedbank Nedbank Platinum Fixed Deposit	18	R100k	7.65%	R146.4k
18	Nedbank Nedbank Electronic OptimumPlus	55	R25k	7.6%	R146.1k
19	Capitec Capitec Fixed-Term Savings	18	R50k	7.4%	R144.6k
20	Absa Absa Senior Digital Bonus Fixed Deposit	55	R100k	7.35%	R144.3k
21	FNB FNB Senior Preferential Fixed Deposit	55	R10k	7.35%	R144.3k
22	Nedbank Nedbank Electronic Fixed Deposit	18	R25k	7.35%	R144.3k
23	Absa Absa Standard Digital Bonus Fixed Deposit	18	R100k	7.25%	R143.5k
24	FNB FNB Senior Fixed Deposit	55	R10k	7.1%	R142.5k
25	FNB FNB Fixed Deposit	18	R10k	6.9%	R141.1k
26	SA Retail Bonds SA Retail Bonds Inflation Linked	18	R1	4.75%	R126.5k
27	SA Retail Bonds SA Retail Bonds Inflation Linked	55	R1	4.75%	R126.5k

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