Cash ISAs: The Best Currently Available List

trinidadone

iereboy wrote: »

Skipton BS and Julian Hodge bank are both offering 6.5% fixed rates. Is that any good? Never heard of those banks b4. Newbie here...

is skipton still offering this rate?

trinidadone

ruthd23 wrote: »

OK, went back and checked it again on the IF site, and can see I was fooled by the first three letters of the name 'isaver' (maybe that's what they want you to think) - this is the product that has 6.4, whilst the real cash ISA rate is only a pedestrian 5.1, so sorry if anybody was temporarily excited there (besides me!).

Just reminds me to read it at least twice to make sure of my facts!

Ruth

dont be hard on your self, its IF who are in the wrong, they are a little "IFY" with the advertising

trinidadone

hey all, I received a email from Newcastle building society today, and thought I wold let people know. They are currently offering a ISA for 6.2% and will accept previous years. I have always found them reaLLY EASY TO DEAL WITH. They guarentee the rate till15th October 2008. Newcastle expect you to leave the entire money in the account throughout its life, although if you give 80 days notice you can get at some of your money, or lose 80 days interest.

Remember these offers are always limited, the only account i am aware which is higher is the postoffice although i dont think they offer internet access

obsessed_saver

Lee_Dunford wrote: »

hey all, I received a email from Newcastle building society today, and thought I wold let people know. They are currently offering a ISA for 6.2% and will accept previous years. I have always found them reaLLY EASY TO DEAL WITH. They guarentee the rate till15th October 2008.

Do you mean 15th October 2009?

10_66

Lee_Dunford wrote: »

the only account i am aware which is higher is the postoffice although i dont think they offer internet access

Principality BS offer 6.28% AER fixed until 5 April 2010 (postal). Transfers in allowed.

Andy_G_3

10_66 wrote: »

Principality BS offer 6.28% AER fixed until 5 April 2010 (postal). Transfers in allowed.

The 180 day loss of interest for for account closure puts me off that one though...........

EagerLearner

Hi all just wondering if the First Direct Fixed ISA is any good? Runs out in June 09 I believe and is 6.125%, monthly interest... what confused me was that my current IceSave account is 5.94% monthly but FD claim to be 5.85% AER? Should I only be looking at the 6.125% (FD) and 5.94% (IceSave monthly interest) figures?

If so the FD fixed ISA seems the way to go?

Baldur

EagerLearner wrote: »

Hi all just wondering if the First Direct Fixed ISA is any good? Runs out in June 09 I believe and is 6.125%, monthly interest... what confused me was that my current IceSave account is 5.94% monthly but FD claim to be 5.85% AER? Should I only be looking at the 6.125% (FD) and 5.94% (IceSave monthly interest) figures?

If so the FD fixed ISA seems the way to go?

See posts #24 et seq HERE re: the AER situation.

EagerLearner

Thanks Baldur - I would be transferring just over £16k from IceSave, so presume it would still be worth having it in FD instead until June 09? In April 09 I would add another £3600 and in June I would then check the rates again for the best deal...

Baldur

EagerLearner wrote: »

Thanks Baldur - I would be transferring just over £16k from IceSave, so presume it would still be worth having it in FD instead until June 09? In April 09 I would add another £3600 and in June I would then check the rates again for the best deal...

Personally, I wouldn't bother - at the monthly rate the difference over a year would be roughly £30 or so, so for a 6 month period around roughly £15, you could lose more than that in the transfer process.