C’mon, fess up.

Winchmore_Hill_Shot

i have a 2 year at 1.76% finishing in November.  Painful.

auser99

Weighing up a 5.2% 3 year Virgin ISA, but aware in a few months that could have me entering this thread with a new post

Currently "earning" 2.4% with NS@I in fairness and it's hard to see 5.2% for an ISA look poor in a few months/ half a year? 

TiVo_Lad

4.26% 1-Year fix in January 2023 overtaken by Easy Access at 4.3%. 1-Year Fix now 5.9%. Interest difference £1,148.

4.48% 1-Year fix in April 2023. Interest difference £1,155.

quirkydeptless

Roll on 19th July when my 1 year fix at 1.51% rolls in

jimexbox

I only take out one of year fixes. A very large deposit last November @ 4.6%.

10k in April @ 4.7, just before they jumped above 5%.

I'm hoping when my large pot matures in November, rates will still be around 5%, but who knows 

sheslookinhot

3.8% 2 yr fix ISA with Ford in December and a 4.7.% 1yr saver in May.

jaypers

Waiting for a 1 Year Atom fixed to mature in August paying 3.2%

Bravepants

NS&I Guaranteed Income bond...3.9% matures next Feb, ready for the new ISA year!

mrsplinter

I had never had fixed term savings until the middle of last year when I fixed for 6 months in July for 2%. Within weeks there was a jumbo rate hike and this was soon overtaken by easy access rates. I then fixed for two years four times between October and January at between 4.35-4.7%. Obviously, I could do a lot better now but these savings were all meant to be mortgage overpayments. I put them into savings instead as the rate on my mortgage was only 1.74%.

While my timing on fixed-rate savings was not great I have been lucky with my mortgage. I always went for 2-year fixes as it was cheaper until the main part of my mortgage came up for renewal in mid-2020 and it was cheaper to fix for 5 years, I did so as I figured they couldn't get any lower and could only rise. Overall I'm not too unhappy as my savings are still beating my mortgage rate.

25_Years_On

I jumped in at 2.05%, 2.18% and 2.35% just at the time previous bonds were maturing. Luckily I went for a 1 year at 2.72% which matures in a few weeks. The others mature next spring. The problem at the time was that leading rates were announced and then very quickly withdrawn - 2 or 3 days was typical. Of course they were great rates at the time so I confess to investing sensibly and not knowing what rates would be like 6 months later.