The New Top Easy Access Savings Discussion Area

friolento

refluxer said:

SH88SH88 said:

The KR EA Saver Issue 107 MI (which I think was also known as D82 MI) is dropping from 4.37/4.46 to 3.93/4.00 on 11-12-2025. Quite annoying as one of the better paying Cahoots also drops on or around 2-12-25.

Which Cahoot account is dropping and is it a particular issue ? I've got issue 11 of the Simple Saver (currently paying 4.40%) and haven't received any notifications of a rate drop (they give 60 days notice on that account)

Poster may have ommitted to upgrade their account? 

happybagger

refluxer said:

SH88SH88 said:

The KR EA Saver Issue 107 MI (which I think was also known as D82 MI) is dropping from 4.37/4.46 to 3.93/4.00 on 11-12-2025. Quite annoying as one of the better paying Cahoots also drops on or around 2-12-25.

Which Cahoot account is dropping and is it a particular issue ? I've got issue 11 of the Simple Saver (currently paying 4.40%) and haven't received any notifications of a rate drop (they give 60 days notice on that account)

Issue 10 is currently 4.55% going to 4.40% on 2/12
I got notification by email in September - well in excess of their 60 days, fair play.

allegro120

refluxer said:

SH88SH88 said:

The KR EA Saver Issue 107 MI (which I think was also known as D82 MI) is dropping from 4.37/4.46 to 3.93/4.00 on 11-12-2025. Quite annoying as one of the better paying Cahoots also drops on or around 2-12-25.

Which Cahoot account is dropping and is it a particular issue ? I've got issue 11 of the Simple Saver (currently paying 4.40%) and haven't received any notifications of a rate drop (they give 60 days notice on that account)

It's issue 10 dropping from 4.55% to 4.40% on 2nd December. Issue 11 remains at 4.4%.

refluxer

Thanks all - I'm relatively new to Cahoot so wasn't sure how they operated when it comes to different issues and rate changes.

Born2Save_3

refluxer said:

Thanks all - I'm relatively new to Cahoot so wasn't sure how they operated when it comes to different issues and rate changes.

It's a good idea to check the e-documents (or something like that) section when you're logged in.  Notifications like rate changes should be in there.  I didn't and discovered here about the Issue 10 rate drop a couple of weeks ago. It's always good to have some alternative accounts ready to manage the rate drops. And there seems to be more certainty of a rate cut at the next BoE MPC meeting now the budget is past.

BooJewels

You do get an email about rate changes - which in turn direct you to the details in the e-document in your account.

Cahoot have the advantage of giving 60 days notice of downward rate changes - that in itself can be problematic, in that it's easy to forget by the time it happens.  I got the email this time in early September when I was on holiday and forgot about it until it was mentioned here.

jak22

Charter EA Iss 62 NLA dropping to 4.0% AER 3.93% Monthly (from 4.36% AER) 12/12/25

refluxer

jak22 said:

Charter EA Iss 62 NLA dropping to 4.0% AER 3.93% Monthly (from 4.36% AER) 12/12/25

Issue 59 is also dropping from 4.37% (4.46% AER) down to 3.93% (4.00% AER), so it looks like they're bringing certain recent issues in-line with their current offering (issue 68).

Kim_13

intalex said:

I'm surprised people still have money in the Skipton Base Rate Tracker, the rate was superceded by their Bonus Saver (after £5k in a Members Bonus Saver), I just got intrigued by the relevance of a maturity date from recent postings but a surprise to see many still leaving funds therein...

I left mine open with £1 in, but closed it today as it would have matured on the 5th. I could put it in a Regular Saver this month but expect to fill them next month. I only completely close a BRT when one with a superior adjustment appears, with an expiry later than the previous one.

I tend not to chase EA rates as they are just holding accounts for Regular Saver funds by and large. If there is not another Member Bonus Saver or BRT by the time Issue 2 matures in June, my Family BS Market Tracker will do (only 12 of 20 allowed withdrawals needed to feed Regular Savers.)

savethepandas

refluxer said:

jak22 said:

Charter EA Iss 62 NLA dropping to 4.0% AER 3.93% Monthly (from 4.36% AER) 12/12/25

Issue 59 is also dropping from 4.37% (4.46% AER) down to 3.93% (4.00% AER), so it looks like they're bringing certain recent issues in-line with their current offering (issue 68).

Issue 58 from 4.24% to 3.9% on 12/12/25