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Savings Product-update 24-28th November

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SAVINGS PRODUCT-UPDATE 24-28TH NOVEMBER


Royal Bank of Scotland
variable rates will be reduced by up to 1.50% and selected products retiered w.e.f. 1.12.08.

Yorkshire BS
Personal variable rates will reduce by up to 1.50% w.e.f. 30.11.08

Stroud & Swindon BS
DIRECT PREMIUM SAVER paying up to 4.00% will be withdrawn w.e.f. close of business 28.11.08

Skipton BS
BASE RATE TRACKER Issue 3 reduced by 1.50% w.e.f. 20.11.08: £500 - 1.50%, £2K - 2.50%, £5K - 2.75%, £25K - 2.90%, £100K - 3.10%. Monthly option also reduced

Scarborough BS
ESCALATOR BOND will reduce by 1.50% w.e.f. 1.12.08: Year 1 - 3.50%, Year 2 - 4.80%. Monthly options will also be reduced.

Scarborough BS
variable rates will reduce by up to 1.50% w.e.f. 1.12.08

Nationwide BS
FIXED RATE ISA BONDS will be withdrawn and replaced w.e.f. 1.12.08

Nationwide BS
Selected FIXED RATE BONDS and FIXED RATE- EBONDS will be withdrawn and replaced paying reduced rates rates w.e.f. 1.12.08

Dudley BS
variable rates will reduce by up to 1.50% and EXTRA SPECIAL re-tied w.e.f. 1.12.08

Coventry BS
selected variable rates will reduce by up to 1.50% and PRIVILEGE SAVER/ISA re-tiered w.e.f. 1.12.08.

Nationwide BS
Personal variable rates will reduce by up to 1.60% w.e.f. 1.12.08....more
28 Nov 2008

Norwich & Peterborough BS
selected fixed rate products will be increased by up to 0.34% and 9 MONTH FIXED RATE BOND launched w.e.f. 28.11.08

Chelsea BS
1 YEAR AUTUMN FIXED RATE BOND 4th Issue will be withdrawn w.e.f. close of business 28.11.08 and 5th Issue launched w.e.f. 29.11.08: a fixed term account maturing 7.1.10 with a minimum investment of £1K paying 5.65% yearly (5.51% monthly). Earlier access permitted on 180 day loss of interest. Further additions whilst issue remains open

Alliance & Leicester
SAVE & PROTECT will reduce by 4.00% to 8.00% for new applications w.e.f. 1.12.08

Alliance & Leicester
variable rates will reduce by up to 1.75% and various term and conditions will be amended w.e.f. 1.12.08

Ecology BS
variable rates will be reduced by up to 1.20% w.e.f. 1.12.08. ECO INSTANT (-1.20%): £25 - 1.00% (-1.10%), £500 - 1.70%, £5K - 1.95%, £10K - 2.20%. ECO-60 (-0.90%): £500 - 2.35%, £2.5K - 2.60%, £5K - 2.85%, £10K - 3.10%, £25K - 3.35%. EARTHWISE MINI CASH: 2.90% (-1.20%

Bank of Scotland
IASA REWARD withdrawn w.e.f. 26.11.08

Leeds BS
Personal variable rates will reduce by up to 2.00% w.e.f. 1.12.08.

Dunfermline BS
variable rates will be amended by up to 2.00% and selected accounts re-tiered w.e.f. 1.12.08.

Scottish Widows Bank
variable rates will be retiered and reduce by up to 1.50% w.e.f. 1.12.08

Newcastle BS
NEWCASTLE ISA+ Issue 2 will be launched w.e.f. 1.12.08: an instant access cash ISA with a minimum investment of £1 paying 4.00% yearly, £3.6K - 4.50%. Rate includes a 0.50% bonus until 1.7.09. Rate guaranteed to at least equal Base Rate until 1.1.11. Transfers in permitted. Transfers out without penalty. Additions permitted whilst issue remains open. ...more


Newcastle BS
NEWCASTLE 55 BOND/ISA reduced by 1.50% to 3.00% w.e.f. 7.11.08.

Newcastle BS
variable rates will reduce by up to 1.50% and SAVE & CARE/KEY will be retiered w.e.f. 1.12.08

Yorkshire Bank
Personal variable rates will reduce by up to 1.50% w.e.f. 1.12.08

Leek United BS
FIXED RATE REGULAR SAVER launched w.e.f. 26.11.08: a one year fixed term regular savings account with a minimum monthly investment of £25 (maximum £250) paying 4.25% fixed on maturity. 12 consecutive payments must be made. No earlier access or additional contributions permitted. Contribution amount cannot be amended

Leek United BS
Variable rates will reduce by up to 1.25% w.e.f. 2.12.08

Bath BS
1 YEAR FIXED RATE BOND Issue 3 will be launched w.e.f. 1.12.08: a one year fixed term account with a minimum investment of £500 paying 4.25% yearly (4.17% monthly). Earlier access on 180 day loss of interest. Additions permitted whilst issue remains open

Chesham BS
Selected variable rates will reduce by up to 1.75% w.e.f. 1.12.08

Lloyds TSB
ESAVINGS launched w.e.f. 19.11.08: an no notice internet and telephone operated account with a minimum investment of £1 paying 3.25%, £2.5K - 3.75%, £5K - 4.25%, £10K - 4.50%, £25K - 4.75%, £100K - 5.00% on anniversary. Rates include a 1.50% bonus for the first 12 months. Must have a Lloyds TSB current account, which can be opened at the same time. Available to those aged 16 and above. Withdrawals via another Lloyds TSB account

Nottingham BS
ACCESS PLUS, ACCESS BONUS and ACCESS RESERVE will be withdrawn, selected variable rates will be reduced by up to 1.50%, and minimum investment on BRANCH MONEY BUILDER will be reduced to £10 (previously £1K) and new tier introduced w.e.f. 1.12.08

Stroud & Swindon BS
selected variable rates will reduce by up to 1.50% w.e.f. 1.12.08

Derbyshire BS
THE HEART OF THE FOREST SAVINGS will be withdrawn w.e.f. close of business on 30.11.08 and personal variable rates will be reduced by up to 1.50% w.e.f. 1.12.08

Beverley BS
variable rates will reduce by up to 1.25% w.e.f. 1.12.08.

Monmouthshire BS
PREMIER SAVER 3 will be reduced by 1.00% to 2.50% w.e.f. 1.12.08

Tesco
Variable rates reduced by 0.50% w.e.f. 27.11.08. TESCO SAVINGS: £1 - 3.35%, £3K - 3.55%, £5K - 3.75%, £15K - 4.25%, £50K - 4.50%, monthly option will also reduce. INTERNET SAVERT: £1 - 6.00%, £100K - 4.50%

Halifax
GUARANTEED SAVER REWARD and WEB SAVER REWARD will be withdrawn w.e.f. close of business 26.11.08

Holmesdale BS
Variable rates will reduce by 0.90% w.e.f. 1.12.08.

ING Direct (UK)
rates will be reduced by up to 3.12% w.e.f 27.11.08. SAVINGS ACCOUNT (existing customers): 2.72% (-1.45%). SAVINGS ACCOUNT (new customers): 2.72% (-3.12%), includes the withdrawal of 1.67% bonus for 12 months. DIRECT CASH ISA (existing customers): 2.72% (-1.45%). DIRECT CASH ISA (new customers): 3.69% (-1.44%), underlying rate 2.72% (-1.45%).

Northern Rock
5 YEAR FIXED RATE CAPPED BOND paying 4.85% will be withdrawn w.e.f. close of business 26.11.08

Leeds BS
FIXED RATE BOND Issue 8 paying 4.75% and FIXED RATE BOND Issue 9 paying 5.00% will be withdrawn w.e.f. close of business 1.12.08

Loughborough BS
Variable rates will reduce by up to 1.50% w.e.f. 1.12.08

Norwich & Peterborough BS
selected variable rates will be reduced by up to 1.60% w.e.f. 27.11.08

Bath BS
variable rates will reduce by up to 1.50% w.e.f. 1.12.08. LIFESTYLE (-1.25%): £1 - 0.20% (-0.15%), £1K - 0.65%, £5K - 0.85%, £10K - 1.35%, £20K - 1.65%, £50K - 2.15%, £100K - 2.25%. DIRECT SAVER: 3.45% (-1.15%). INTRODUCER BOND 2: 3.25% (-1.50%). LIFESTYLE 30: 2.25%. (-1.25%). LIFESTLYLE 60: 3.00% (-1.25%). WESSEX: 3.35% (-1.25%). DIRECT 60: 4.60% (-1.25%). LIFESTYLE TRACKER PLUS: 4.00% (-1.50%). SAVERSAURUS/SOLID SAVER: 2.85% (-1.15%). MINI CASH ISA: 3.35% (-1.25%). Monthly options will also reduce

Stafford Railway BS
FIRST CLASS RETURN paying up to 5.70% withdrawn w.e.f. 31.10.08

Monmouthshire BS
selected variable rates will reduce by up to 1.50% and selected accounts re-tiered w.e.f. 1.12.08

Chesham BS
SAVE DIRECT 2nd Issue will reduce by 1.50% to 3.00% w.e.f. 27.11.08

Manchester BS
PREMIER GUARANTEE, PREMIER INSTANT ISA, PREMIER ISA Issue 3 and FIXED RATE BOND Issue 38 will be launched w.e.f. 27.11.08

Monmouthshire BS
ONE YEAR FIXED RATE BOND Issue 8 launched w.e.f. 25.11.08: a one year fixed term account with a minimum investment of £2.5K (£5K for monthly option) paying 5.05% on maturity (4.85% monthly). Earlier access permitted on closure only on 90 day loss of interest. Further additions not allowed. Maximum investment £50K.

Virgin Money
DEPOSIT and CASH ISA reduced by 1.50% to 2.25% w.e.f. 18.11.08

Anglo Irish Bank
1 Year FIXED RATE BOND increased by 0.20% to 5.75% w.e.f. 26.11.08

West Bromwich BS
Rate guarantee on BASE RATE TRACKER extended to 30.11.09 (previously to 30.11.08). Rates and all other terms and conditions remain unchanged

Chorley & District BS
6 MONTH FIXED RATE BOND Issue 1 paying 5.75% withdrawn w.e.f. 25.11.08

Marsden BS
DIRECT SAVER INSTANT ACCESS Issue 2 and DIRECT SAVER 30 Issue 2 rates reduced by 0.50% w.e.f. 21.11.08. DIRECT SAVER INSTANT ACCESS Issue 2: £1K - 4.555 (-0.50%), £10K - 4.75%, £25K - 4.85%, £50K - 5.00%, £100K - 5.15%. DIRECT SAVER 30 Issue 2: £5K - 4.75%, £10K - 5.00%, £50K - 5.25%, £100K - 5.50%. Monthly option also reduced

West Bromwich BS
CROWN 30 DAY NOTICE paying 5.85% will be withdrawn w.e.f. close of business on 25.11.08

Furness BS
variable rates will reduce by up to 1.25% and INSTANT ACCESS will be re-tiered w.e.f. 1.12.08

Stroud & Swindon BS
FIXED RATES BOND Issue 73 launched w.e.f. 25.11.08: a fixed term account maturing 20.1.10 with a minimum investment of £1K (£5K monthly) paying 4.70% yearly (4.60%). Earlier access on 90 day loss. Further additions permitted whilst issue remains open

Catholic BS
rates will be reduced by up to 1.50% w.e.f. 1.12.08

Derbyshire BS
FIXED RATE ISA Issue 26 withdrawn and Issue 27 launched paying a reduced rate w.e.f. 21.11.08. FIXED RATE ISA Issue 27: a fixed term cash ISA maturing 31.1.11 with a minimum investment of £100 paying 3.95% yearly. Earlier access and transfers out on 120 day loss of interest. Additions whilst issue remains open

Saffron BS
Variable rates will reduce by up to 1.50% w.e.f. 1.12.08

Darlington BS
MONTHLY INCOME BOND 2 launched w.e.f. 21.11.08: a 50 day notice account with a minimum investment of £10K paying 5.35% monthly. Earlier access permitted on 50 day loss of interest. Rate will reduce to 4.10% w.e.f. 1.12.08

Capital One Savings
FIXED RATE BONDS will be reduced by up to 0.30% w.e.f. 29.11.08. 1 YEAR: 4.00% (-0.10%). 2 YEAR: 3.25% (-0.15%). 3 YEAR: 3.50% (-0.15%). 4 YEAR: 3.65% (-0.15%). 5 YEAR: 3.80% (-0.30%). Monthly options will also be reduced. All other terms and conditions remain unchanged

Investec Bank (UK)
HIGH 5 rate will reduce by 0.02% to 6.16% w.e.f. 26.11.08. Monthly option will also reduce

Tipton & Coseley BS
variable rates will reduce by up to 1.50% and INSTANT ACCESS will be re-tiered w.e.f. 1.12.08


Earl Shilton BS
variable rates will be amended by up to 1.25% and the bonus on HERITAGE will reduce by 1.50% to 1.50% w.e.f. 1.12.08

Vernon BS
variable rates will reduce by up to 2.00% and INSTANT ACCESS and PREMIUM PLUS will be re-tiered% w.e.f. 1.12.08

Tipton & Coseley BS
FIXED RATE SAVINGS Issue 32 withdrawn and issue 33 launched paying a reduced rate w.e.f. 24.11.08: a fixed term account maturing 31.1.10 with a minimum investment of £1K paying 4.00% yearly (3.80% monthly). Earlier access and further additions not permitted

Mansfield BS
variable rates will reduce by up to 1.50% w.e.f. 1.12.08

Whiteaway Laidlaw Bank
Personal FIXED TERM DEPOSIT reduced by 1.50% w.e.f. 7.11.08. 3 MONTH: £2.5K - 2.63%, £25K - 2.75%, £75K - 2.88%, £150K - 3.00%. 6 MONTH: £2.5K - 2.75%, £25K - 2.88%, £75K - 3.00%, £150K - 3.13%. All other terms and conditions remain unchanged

Whiteaway Laidlaw Bank
INSTANT ACCESS SAVINGS reduced by 1.50% w.e.f. 7.11.08: £1K - 1.00%, £2.5K - 1.25%, £5K - 1.75%, £10K - 2.25%, £25K - 2.50%

Scottish BS
160th ANNIVERSARY THISTLE BOND launched w.e.f. 24.11.08: a 6 month fixed term account with a minimum investment of £1K paying 4.50% on maturity. No earlier access or further additions permitted.

Britannia BS
INFLATION BEATER 2 YEAR BOND reduced by 0.50% to 6.25% in line with RPI w.e.f. 23.11.08. Monthly option also reduced

Buckinghamshire BS
5th Issue FIXED RATE BOND launched w.e.f. 21.11.08: a fixed term account maturing 30.6.09 with a minimum investment of £1K paying 4.70% on maturity. No earlier access permitted. Additions permitted whilst issue remains open

Cumberland BS
FIXED INTEREST TERM Issues 448 & 449 launched paying 4.00% w.e.f. 20.11.08

Norwich & Peterborough BS
SUPER SAVER II paying up to 4.40% withdrawn with immediate effect.

National Counties BS
variable rates will reduce by 1.50% w.e.f. 1.12.08. DIRECT ACCESS SHARE: £1 - 2.91%, £50K - 3.15%. DIRECT 90 NOTICE: £5K - 3.06%, £50K - 3.25%, monthly option will also reduce. MONTHLY SAVER: 3.15%. 2nd Issue CASH ISA: 3.46%. GUARANTEED CASH ISA 2008/9: 4.21%

Bradford & Bingley
6 MONTH FIXED RATE BOND Issue 3 paying 4.50%, 1 YEAR FIXED RATE BOND Issue 9 paying 4.00% and 3 YEAR FIXED RATE BOND Issue 6 paying 4.00% launched w.e.f. 24.11.08

Bradford & Bingley
6 MONTH FIXED RATE BOND Issue 2 paying 5.37%, 1 YEAR FIXED RATE BOND Issue 8 paying 5.00% and KIDS SAVINGS BOND Issue 2 paying 6.00% withdrawn w.e.f. 22.11.08

Sainsbury's Finance
has introduced a conditional bonus on INTERNET SAVER w.e.f 21.11.08. A conditional bonus of 0.50% will be paid for 12 months on balances between £5K and £100K providing no more than 6 withdrawals are made during bonus period on all accounts opened before 8.12.08. Available to both new and existing customers.

Scarborough BS
OPTIONS BOND DIRECT and OPTIONS BOND BRANCH launched w.e.f. 24.11.08

Bradford & Bingley
2 YEAR FIXED RATE BOND Issue 6 and 3 YEAR FIXED RATE BOND Issue 5 both paying 5.00% withdrawn w.e.f. close of business 18.11.08

Chelsea BS
variable rates reduced by up to 1.65% w.e.f. 24.11.08.
Skoolmaster

Noblesse Oblige
shedful of passbooks and bonds
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