Cash ISAs: The Best Currently Available List

jak22

Apologies if already mentioned above but Charter have 1 yr (3.76 %) and 2 yr (4.21%) fixed ISAs on their main page for new customers. 

bakayaro

Looks like Paragon are now offering again their 1 Year Fixed isa as well but now at 3.70%.

ForumUser7

Hinckley and Rugby Building Society Savings Account Rate Changes (Effective 2nd December):

https://www.hrbs.co.uk/saving-info/savings-rates/

*IMPORTANT NOTE*: Although some of their accounts like the Regular Saver 30 Day Notice and 90 Day Notice Cash ISA offer good rates, they are 'not looking at online transactions at present' so 'withdrawals would need to be sent in the post or brought into one of our branch/agency offices'. I don't have a comprehensive list for which accounts they provide stationary for, but for the Regular Saver at least, 'prepaid envelopes are not provided for this account type'. This means if we want to make withdrawals, we either have to live near a branch, or give 30 days notice and pay for postage. These conditions may be fine for some people, but it may put others off - imo, if I lived near a branch I would open it, but I don't so until online withdrawals are possible, or prepaid envelopes are provided it is one I won't be opening, even at the rate it will be from 2nd December.

Ocelot

ForumUser7 said:

Hinckley and Rugby Building Society Savings Account Rate Changes (Effective 2nd December):

https://www.hrbs.co.uk/saving-info/savings-rates/

*IMPORTANT NOTE*: Although some of their accounts like the Regular Saver 30 Day Notice and 90 Day Notice Cash ISA offer good rates, they are 'not looking at online transactions at present' so 'withdrawals would need to be sent in the post or brought into one of our branch/agency offices'. I don't have a comprehensive list for which accounts they provide stationary for, but for the Regular Saver at least, 'prepaid envelopes are not provided for this account type'. This means if we want to make withdrawals, we either have to live near a branch, or give 30 days notice and pay for postage. These conditions may be fine for some people, but it may put others off - imo, if I lived near a branch I would open it, but I don't so until online withdrawals are possible, or prepaid envelopes are provided it is one I won't be opening, even at the rate it will be from 2nd December.

I opened a Hinckley and Rugby 5 year fixed rate in 1999, and left £100 or so in there when it matured. Since then I haven't heard jack from them. Assume it's still going.

ForumUser7

Bath Building Society Rate Changes (Effective 1st December):

Find out how your savings account's interest rate will change: https://www.bathbuildingsociety.co.uk/personal-savings/accounts/view-all-interest-rates/

Customers may get emails later in the day confirming the new rates, but thought I'd post them seeing as they are on the website already.

savit4l8er

Virgin have dropped their 2 yr fix from 3.75% to 3.5%, can't see many jumping for that one. Perhaps attempting to recover service by offering limited fixed terms at very average rates. 

SnowMan

Some very good Cumberland Building Society fixed rate ISA accounts available to open in branch. They state

This account is available to open at any Cumberland branch, for customers who live in our operating area

1 year fixed rate ISA: 4.25% AER (90 day penalty for transferring to another ISA during the term)

2 year fixed rate ISA: 4.75% AER (90 day penalty for transferring to another ISA during the term)

5 year fixed rate ISA: 5.05% AER (180 day penalty for transferring to another ISA during the term)

https://www.cumberland.co.uk/savings/isa#one

edit:

Been into a branch and in practice it's impossible to open one of these accounts. You can only open one with a face to face or telephone appointment.

And they don't have any appointments available until around 20th December and that's a telephone appointment. And then even though the branch was virtually empty they don't have any face to face appointments available at all at any time. And if the accounts above are gone at that time you don't get these rates even if you specify which account you are interested in.

So consider this misleading advertising by the Cumberland.

rawy

SnowMan said:

Some very good Cumberland Building Society fixed rate ISA accounts available to open in branch. They state

This account is available to open at any Cumberland branch, for customers who live in our operating area

1 year fixed rate ISA: 4.25% AER (90 day penalty for transferring to another ISA during the term)

2 year fixed rate ISA: 4.75% AER (90 day penalty for transferring to another ISA during the term)

5 year fixed rate ISA: 5.05% AER (180 day penalty for transferring to another ISA during the term)

https://www.cumberland.co.uk/savings/isa#one

edit:

Been into a branch and in practice it's impossible to open one of these accounts. You can only open one with a face to face or telephone appointment.

And they don't have any appointments available until around 20th December and that's a telephone appointment. And then even though the branch was virtually empty they don't have any face to face appointments available at all at any time. And if the accounts above are gone at that time you don't get these rates even if you specify which account you are interested in.

So consider this misleading advertising by the Cumberland.

I had a telephone appointment today which I booked 12 days ago & managed to get one opened.

The consultant said the 5.05% 5yr fix would be withdrawn at the end of the day as they had filled the tranche of funds they were looking for.

Cheers

Rawy

SnowMan

Thanks Rawy. Well done (said through gritted teeth) on getting the account just in time. I suspect the 1 and 2 years will go the same way in the next few days.

The 5 year account has now disappeared from their available list of accounts (it was on a tab next to the 2 year)

https://www.cumberland.co.uk/savings/isa

bristolleedsfan

rawy said:

SnowMan said:

Some very good Cumberland Building Society fixed rate ISA accounts available to open in branch. They state

This account is available to open at any Cumberland branch, for customers who live in our operating area

1 year fixed rate ISA: 4.25% AER (90 day penalty for transferring to another ISA during the term)

2 year fixed rate ISA: 4.75% AER (90 day penalty for transferring to another ISA during the term)

5 year fixed rate ISA: 5.05% AER (180 day penalty for transferring to another ISA during the term)

https://www.cumberland.co.uk/savings/isa#one

edit:

Been into a branch and in practice it's impossible to open one of these accounts. You can only open one with a face to face or telephone appointment.

And they don't have any appointments available until around 20th December and that's a telephone appointment. And then even though the branch was virtually empty they don't have any face to face appointments available at all at any time. And if the accounts above are gone at that time you don't get these rates even if you specify which account you are interested in.

So consider this misleading advertising by the Cumberland.

I had a telephone appointment today which I booked 12 days ago & managed to get one opened.

Is that application form signed and fixed term rate funded ?