The Top Regular Savers Discussion Thread

WillPS

subjecttocontract said:

I don't understand why there is so much interest in saving a day or two when opening a new FD account. £300 @ 7% = less than 6p a day in interest........what am I missing ?

Locking in a high fixed rate in a (rapidly) falling rate environment.

Bridlington1

Leeds BS Home Deposit Saver (Issue 3) at 4.9% to go NLA within hours. To be replaced by Issue 4 at 4.8%. Other Ts&Cs seem to be remaining the same from what I can see at this stage.

Aidanmc

Bridlington1 said:

Leeds BS Home Deposit Saver (Issue 3) at 4.9% to go NLA within hours. To be replaced by Issue 4 at 4.8%. Other Ts&Cs seem to be remaining the same from what I can see at this stage.

Just missed this, was thinking of opening it just yesterday.

Up until now i have only been funding 5% and above regular savers, using my Coventry BS FHS issue 1 (4.85%) and maturing regular savers as a feeder.

Now with the Aldermore RS rate cut to 4.75% thats the first one to go below.

Although Coventry BS will prob reduce the FHS by 0.25% i expect

Theres a few RS i dont have though, which involve opening current accounts, TSB, HSBC, First Direct, AIB, BOS, so maybe i will look into opening some of these. Wont qualify for any switching incentives as i've already had them.

Hattie627

Bucks BS changes effective from 1 June 2025:-

Regular Saver:-  3.15% reducing to 2.90%
Regular Saver Locals (NLA):-  3.55% reducing to 3.30%

Bridlington1

Skipton BS Interest Rate Cuts 9/6/25:

Home Deposit Saver/Branch Home Deposit Saver (Issues 1-4) Reduction from 4.56% to 4.31%

Bridlington1

Leeds BS Interest Rate Cuts 27/6/25:

REGULAR SAVER (ISSUE 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 56, 57, 59, 60, 61, 62 & 63) from 4.8% to 4.7%

REGULAR SAVER (ISSUE 55 & 58) from 4.95% to 4.85%

HOME DEPOSIT SAVER (ISSUE1, 2 & 3) from 4.9% to 4.8%

moi

Bridlington1 said:

Leeds BS Interest Rate Cuts 23/6/25:

REGULAR SAVER (ISSUE 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 57, 58, 60, 61, 62 & 63) from 4.8% to 4.7%

REGULAR SAVER (ISSUE 56 & 59) from 4.95% to 4.85%

HOME DEPOSIT SAVER (ISSUE1, 2 & 3) from 4.9% to 4.8%

I think Issue 55 should go alongside 56 and 59.

My issue 55 is showing the current Interest rate: 4.95%. 

Bridlington1

moi said:

Bridlington1 said:

Leeds BS Interest Rate Cuts 23/6/25:

REGULAR SAVER (ISSUE 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 57, 58, 60, 61, 62 & 63) from 4.8% to 4.7%

REGULAR SAVER (ISSUE 56 & 59) from 4.95% to 4.85%

HOME DEPOSIT SAVER (ISSUE1, 2 & 3) from 4.9% to 4.8%

I think Issue 55 should go alongside 56 and 59.

My issue 55 is showing the current Interest rate: 4.95%. 

I suspect it may be a typo on their website as last time it was issues 55 and 58 reducing to 4.95% with Issues 56 and 59 going to 4.8% IIRC. 

moi

Bridlington1 said:

moi said:

Bridlington1 said:

Leeds BS Interest Rate Cuts 23/6/25:

REGULAR SAVER (ISSUE 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 57, 58, 60, 61, 62 & 63) from 4.8% to 4.7%

REGULAR SAVER (ISSUE 56 & 59) from 4.95% to 4.85%

HOME DEPOSIT SAVER (ISSUE1, 2 & 3) from 4.9% to 4.8%

I think Issue 55 should go alongside 56 and 59.

My issue 55 is showing the current Interest rate: 4.95%. 

I suspect it may be a typo on their website as last time it was issues 55 and 58 reducing to 4.95% with Issues 56 and 59 going to 4.8% IIRC. 

It must be. I saw it wasn't you, but they'd done it on their own site. Had to double check myself to be sure I wasn't going mad!

Bridlington1

Bridlington1 said:

moi said:

Bridlington1 said:

Leeds BS Interest Rate Cuts 23/6/25:

REGULAR SAVER (ISSUE 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 57, 58, 60, 61, 62 & 63) from 4.8% to 4.7%

REGULAR SAVER (ISSUE 56 & 59) from 4.95% to 4.85%

HOME DEPOSIT SAVER (ISSUE1, 2 & 3) from 4.9% to 4.8%

I think Issue 55 should go alongside 56 and 59.

My issue 55 is showing the current Interest rate: 4.95%. 

I suspect it may be a typo on their website as last time it was issues 55 and 58 reducing to 4.95% with Issues 56 and 59 going to 4.8% IIRC. 

Further to this I've just telephoned them and the initially slightly bamboozled member of staff I spoke to has had a look at the closed issues pdf vs the base rate announcement and agrees with me that it seems to be a typo and shall pass on the interest rate discrepancy to get it looked into.




For now I shall omit the Leeds BS interest rate cuts from my interest rates cuts table and from the archived thread until I have final confirmation of the correct rates but I suspect it shall be issues 55 & 58 reducing from 4.95% to 4.85% with the rest slipping to 4.7%.