Cash ISAs: The Best Currently Available List

t1redmonkey

benny5 said:

The OH was at the local branch of the Coventry this morning and she was told that there are no Fixed ISA products currently available.
Then this afternoon, in the post, I received information on a maturing ISA (End November) where they are offering me.
3.65% 1 Year.
3.9%   2 Years
3.95% 3 Years,
4.05% 5 Years.

In anticipation of this maturing, I opened an A/C with Virgin, 3 years 4.41% with a token deposit. 
I'm now torn between staying and moving, the additional interest with Virgin is circa £200PA.
I've concentrated on the 3-year option as ISA interest rates may not increase in the short term and the overall prediction for rates over time appears to be flat followed a possible drop.
My understanding of the situation may be totally rubbish.

Well there was a 4.75% 5 year ISA with West Brom BS recently, but it was only available for less than 48 hours!  Other than them and the State Bank of India fixes (which are branch only), the best rates seem to have hovered around 4.3%-4.4% for a while.  So remains to be seen whether anyone else improves on that or not in the coming weeks.  But you are right in that a lot of people are predicting that longer term fixes may have peaked, and may end up falling back in the future.  Obviously no one knows for sure though.

ASL1

myth123 said:

ASL1 said:

I opened the 3% easy access Virgin Money ISA last Friday and requested them to transfer in from my Coventry building society isa at the same time. I haven't heard anything since from either bank. How long does it take for Virgin to sort out on isa transfers?

I did the same and haven't heard anything. I'm guessing it will get processed without much contact but if I haven't heard anything by next week I might give them a ring. When I transferred into Coventry BS the transfer arrived in 2 working days but I can't see VM being quite that efficient...

Just checked the virgin money app and the isa has been transferred!

Opened and requested transfer last Friday got here today (Thursday).

ASL1

Virgin Money have also just now sent me a text and email confirming that the ISA transfer is complete.

refluxer

These providers' have just increased their rates, putting them close to the top of the relevant ISA rate tables...

OakNorth have increased the rate of their one-year fixed rate cash ISA from 3.04% to 3.83%.

Castle Trust have increased their one-year fixed rate from 3.60% to 3.80% and the two-year fixed rate has increased to 4.35%

steveksullivan

Cumberland BS appear to have just jumped in at ToTP for both 1 and 2 year according to Moneyfacts ......

t1redmonkey

5.05% for a 5 year with Cumberland BS   But need to be local to them to open it.

rallycurve

steveksullivan said:

Cumberland BS appear to have just jumped in at ToTP for both 1 and 2 year according to Moneyfacts ......

We finally see someone offering over 4% in a 1year fixed ISA!

steveksullivan

t1redmonkey said:

5.05% for a 5 year with Cumberland BS   But need to be local to them to open it.

Ah didn't spot the 'local' aspect when I posted at the same time as you ....!!

refluxer

Charter have just jumped to the top of the 1 and 2 year Fixed Rate Cash ISA tables with 3.90% and 4.38% respectively.

https://www.chartersavingsbank.co.uk/Products/ISAs

Notfarfromtheborder

savit4l8er said:

Dudley 4.2% 18m which wasn't a bad little deal no longer seems to be listed on their site but still on moneyfacts (currently).

I applied for one of these on Monday, will they honor my application??

Not heard a peep from them since sending the application in, they stated three working days from application