SAVINGS RATE WIRE - UPDATED – 7th November 2008

skoolmaster

SAVINGS RATE WIRE - UPDATED – 7th November 2008

NOTE: FSCS limit £50,000 per customer (per provider)

RED highest current rate

Sources: emoneyfacts

FIXED RATES
Close Brothers Premium Gold 7.00%
Julian Hodge Bank Capital Millennium Bond 6.40%
Marsden BS Fixed Rate Rolling Savings Bond 6.30%
Coventry BS Poppy Bond 6.25%
Newcastle BS 100% Access Postal Bond 6.10%
Clydesdale Bank Fixed Term Deposits 6.10%
Abbey Fixed Rate Bond 6.00%
Halifax Guaranteed Reserve 6.01% (£25K MOB!)
Kent Reliance BS Direct Two Year Fixed Rate Bond 6 6.00%
Julian Hodge Bank Capital Millennium Bond 5.95%
Julian Hodge Bank Capital Millennium Bond 5.95%
Nationwide BS 2 Year Fixed Rate Bond 5.80%

FIXED RATE ISA (Tax free)
Bradford & Bingley (Abbey) 1 Year Fixed Rate ISA Issue 4 6.25%
Julian Hodge Bank 1 Year Fixed ISA 6.10%
Nationwide BS 1 Year Fixed Rate ISA Bond 5.75%
Nationwide BS 2 Year Fixed Rate ISA Bond 5.75%
Nationwide BS 3 Year Fixed Rate ISA Bond 5.75%
Julian Hodge Bank 2 Year Fixed ISA 5.65%

CASH ISA (Tax free)
National Counties BS Guaranteed Cash ISA 2008/09 6.01%
Newcastle BS Newcastle ISA+ 6.00%
Market Harborough BS Brighter ISA Issue 7 5.85%
Kent Reliance BS Direct Variable Rate Cash ISA 5.76%
Barclays Bank Tax Haven ISA 5.58%
Principality BS e-ISA 5.50%

INTERNET
AA (HBOS-Lloyds) AA Internet Saver 6.28%
ICICI Bank UK HiSAVE Savings 6.16%
Intelligent Finance (HBOS-Lloyds) isaver 5.90%
Birmingham Midshires (HBOS-Lloyds) e-Saver Issue 2 5.83%
Market Harborough BS onthedot 30 Day Notice 5.80%
Yorkshire BS Internet Saver 5.50%

NOTICE
Derbyshire BS (Nationwide BS) Postal 60 Triple Guarantee 6.05%
Progressive BS Postal 7 Day Notice 5.95%
Chelsea BS 90 Day Notice Issue 2 5.90%
Chelsea BS Triple Guarantee 2nd Issue 5.80%
Whiteaway Laidlaw Bank (Manchester BS) 90 Day Notice 5.76%
Bradford & Bingley (Abbey) Internet Saver Notice Issue 1 5.60%

NO NOTICE
Scarborough BS (Skipton BS) Balance Builder Issue 1 6.00%
Stroud & Swindon BS Postal Account 5.90%
West Bromwich BS Stratus No Notice 5.85%
Chelsea BS Rainy Day Savings Issue 3 5.50%
Nottingham BS Sleep Easy Saver 5.50%
Anglo Irish Bank Easy Access Deposit Issue 2 5.25%

REGULAR
Barclays Bank Monthly Savings 7.49%
Abbey Fixed Monthly Saver 7 7.25%
Skipton BS Special Saver 6.55%
Skipton BS Christmas Saver Issue 3 6.55%
Yorkshire BS Regular Saver 5.85%
Teachers BS Regular Saver (Issue 1) 5.85%

CHILDREN’S SAVINGS
Halifax Children's Regular Saver 10.00%
Chorley & District BS Foxley Fund 6.75%
Abbey Children's Savings Bond 6.20%
Harpenden BS 18 Club 5.60%
Stafford Railway BS First Track 5.45%
Chelsea BS Ready Steady Save 5.45%
Halifax Save4it 5.05%
Cheshire BS (Nationwide BS) Big Cat Junior Saver 5.00%
Norwich & Peterborough BS Family Young Saver 4.90%
Principality BS Children's 4.90%
Yorkshire BS One Day 4.84%
Nationwide BS Smart 4.70%
NS&I Childrens Bond Issue 31 3.70%

GOVERNMENT GUARANTEED - Northern Rock, NS&I

NS&I
Easy Access Savings 1.15%
Investment 2.50%
Income Bonds 3.75%
Guaranteed Growth Bond Issue 45 4.20%
Guaranteed Growth Bond Issue 39 4.00%
Guaranteed Growth Bond Issue 36 4.00%
Guaranteed Income Bond Issue 45 4.10%
Guaranteed Income Bond Issue 39 3.90%
Guaranteed Income Bond Issue 36 3.90%

NS&I Tax-free
Direct ISA 4.80%
Cash ISA 3.90%
Savings Certificate 44th Issue 2.95%
Savings Certificate 93rd Issue 2.95%
Index-Linked Certificate 18th 1.00% + inflation
Index-Linked Certificate 45th 1.00% + inflation

Northern Rock
Fixed Rate Capped Bond 4.50%
Instant Access Cash ISA 3.79%
30 Day Cash ISA 5.15%

meunier

Dearest Skoolmaster, Thank you so, so very much for this. You do a GREAT public service. Bless you.

caveman38

I was told the other day whilst in the B&B that their bond and ISA rates are to be pulled this weekend.

blackswan2

Just rang Marsden, it's gone.
According to the Newcastle BS site, "There are currently no fixed rate bonds available, please check back soon."

Are Clydesdale part of any bigger banking group?

Now who the hell are Julian Hodge and can I trust them?!?

Thanks !

gamadison5

Clydesdale are part of the National Australia Bank

DRS1

Don't worry about Julian Hodge - the Capital Millennium Bond has been temporarily withdrawn now anyway.

blackswan2

Clydesdale / Yorkshire Banks are still offering the Fixed Term Deposits fixed at 6% for a year, 6.05% for 18months or 2 years and 6.1% for three years. Call them on 0800 012 1111 to register you can get them to send you the forms in which case the rate is guaranteed 14 days, or print off online in which case the rate is guaranteed for 5 days (which is what I have just done)..

Snow_Dog

Good list skoolmaster.

The NR 30 day cash ISA has dropped from 5.15 to 3.95 though.

KingL

Hi

I can't find these few :

FIXED RATE ISA (Tax free)
Nationwide BS 1 Year Fixed Rate ISA Bond 5.75%
Nationwide BS 2 Year Fixed Rate ISA Bond 5.75%
Nationwide BS 3 Year Fixed Rate ISA Bond 5.75%

Seems to be upto 4.75%
http://www.nationwide.co.uk/savings/bonds/fixedrateisabonds/introduction.htm

or if there's another link, can someone post it, thanks

Baldur

KingL wrote: »

I can't find these few :

Seems to be upto 4.75%
http://www.nationwide.co.uk/savings/bonds/fixedrateisabonds/introduction.htm

The hint is in the small print under the description:

Effective from:08/11/2008

as opposed to:

SAVINGS RATE WIRE - UPDATED – 7th November 2008

Steeve

blackswan2 wrote: »

Now who the hell are Julian Hodge and can I trust them?!?

Thanks !

I used Julian Hodge a couple of years ago, I think the main office is in Cardiff, they have seemed to have good rates, but haven't used them recently as its all done by post, that was ok a couple of years ago, but nowadays I want as much as possible internet accessible. Saying that I've always found their customer service to be good.