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

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

#	Bank	Min Age	Min Deposit	Nominal	Total interest *
1	GoTyme Bank GoTyme Bank Fixed Deposit	18	R1	8.58%	R12.9k
2	GoTyme Bank GoTyme Bank Fixed Deposit	55	R1	8.58%	R12.9k
3	SA Retail Bonds SA Retail Bonds Fixed Rates	18	R1k	8.5%	R12.8k
4	SA Retail Bonds SA Retail Bonds Fixed Rates	55	R1k	8.5%	R12.8k
5	Discovery Discovery Fixed Deposit Account	18	R10k	7.9%	R12.7k
6	Discovery Discovery Fixed Deposit Account	55	R10k	7.9%	R12.7k
7	Standard Bank Standard Bank Fixed Deposit	55	R10k	7.9%	R12.7k
8	Absa Absa Dynamic Senior Fixed Deposit	55	R1k	7.7%	R12.6k
9	FNB FNB Senior Preferential Fixed Deposit	55	R10k	7.55%	R12.5k
10	Absa Absa Dynamic Fixed Deposit	18	R1k	7.5%	R12.5k
11	Standard Bank Standard Bank Fixed Deposit	18	R10k	7.43%	R12.5k
12	FNB FNB Senior Fixed Deposit	55	R10k	7.35%	R12.5k
13	Nedbank Nedbank Platinum Fixed Deposit	18	R1k	7.35%	R12.5k
14	Nedbank Nedbank Electronic OptimumPlus	55	R1k	7.35%	R12.5k
15	FNB FNB Fixed Deposit	18	R10k	7.3%	R12.4k
16	Nedbank Nedbank Electronic Fixed Deposit	18	R1k	7.2%	R12.4k
17	African Bank African Bank Fixed Deposit	18	R0	7.02%	R12.3k
18	African Bank African Bank Fixed Deposit	55	R0	7.02%	R12.3k
19	Capitec Capitec Fixed-Term Savings	18	R10k	7%	R12.3k
20	Absa Absa Senior Digital Bonus Fixed Deposit	55	R1k	6.65%	R12.2k
21	Absa Absa Standard Digital Bonus Fixed Deposit	18	R1k	6.45%	R12.1k
22	Access Bank Plc Access Bank Fixed Deposit	18	R0	5.5%	R11.8k
23	Access Bank Plc Access Bank Fixed Deposit	55	R0	5.5%	R11.8k
24	SA Retail Bonds SA Retail Bonds Inflation Linked	18	R1k	4.25%	R11.3k
25	SA Retail Bonds SA Retail Bonds Inflation Linked	55	R1k	4.25%	R11.3k

(*) Total interest: estimated total interest earned for a R10,000 investment. Interest paid out at maturity