Best 3 year Fixed Deposit Rates for April 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	SA Retail Bonds SA Retail Bonds Fixed Rates	18	R1	8.75%	R129.3k
2	SA Retail Bonds SA Retail Bonds Fixed Rates	55	R1	8.75%	R129.3k
3	Absa Absa Dynamic Senior Fixed Deposit	55	R100k	7.75%	R126.1k
4	Standard Bank Standard Bank Fixed Deposit	18	R100k	7.69%	R125.9k
5	Standard Bank Standard Bank Fixed Deposit	55	R100k	7.69%	R125.9k
6	Discovery Discovery Fixed Deposit Account	18	R10k	7.65%	R125.7k
7	Discovery Discovery Fixed Deposit Account	55	R10k	7.65%	R125.7k
8	Absa Absa Dynamic Fixed Deposit	18	R100k	7.6%	R125.5k
9	Access Bank Plc Access Bank Fixed Deposit	18	R25k	7.6%	R125.5k
10	Access Bank Plc Access Bank Fixed Deposit	55	R25k	7.6%	R125.5k
11	African Bank African Bank Fixed Deposit	18	R50k	7.26%	R124.3k
12	African Bank African Bank Fixed Deposit	55	R50k	7.26%	R124.3k
13	Nedbank Nedbank Platinum Fixed Deposit	18	R100k	7.15%	R123.8k
14	Capitec Capitec Fixed-Term Savings	18	R50k	7.1%	R123.7k
15	Nedbank Nedbank Electronic OptimumPlus	55	R25k	7.05%	R123.5k
16	Nedbank Nedbank Electronic Fixed Deposit	18	R25k	7%	R123.3k
17	FNB FNB Senior Preferential Fixed Deposit	55	R10k	6.85%	R122.7k
18	Absa Absa Senior Digital Bonus Fixed Deposit	55	R100k	6.7%	R122.2k
19	FNB FNB Senior Fixed Deposit	55	R10k	6.6%	R121.8k
20	Absa Absa Standard Digital Bonus Fixed Deposit	18	R100k	6.55%	R121.6k
21	FNB FNB Fixed Deposit	18	R10k	6.5%	R121.5k
22	SA Retail Bonds SA Retail Bonds Inflation Linked	18	R1	5%	R116.0k
23	SA Retail Bonds SA Retail Bonds Inflation Linked	55	R1	5%	R116.0k

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