Fixed-rate deals from challenger banks continue to edge upwards, with French-owned RCI Bank launching a new two-year bond at 2.35% before tax (1.88% after). Paragon Bank pays 2.34% (1.87%) and Secure Trust 2.33% (1.86%) over the same term.
RCI Bank launches new top-paying bond as rates creep higher
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Fixed-rate deals from challenger banks continue to edge upwards, with French-owned RCI Bank launching a new two-year bond at 2.35% before tax (1.88% after). Paragon Bank pays 2.34% (1.87%) and Secure Trust 2.33% (1.86%) over the same term. The top one-year deals include 2.07% (1.65%) from Paragon Bank and 2.06% (1.65%) from Charter Savings Bank and RCI. On easy-access online accounts, RCI Bank Freedom account pays a top 1.65% (1.32%) and BM Savings, part of Halifax, offers 1.6% (1.28%) on its Online Extra Issue 18. The BM account includes a bonus for the first year, after which the rate drops to 0.5% (0.4%). Virgin Money Defined Access account is up at 1.51% (1.21%), available online or through branches. But you are limited to three withdrawals a year. Cash Isas On tax-free cash Isas, National Savings & Investments Direct Isa pays 1.5%. Virgin Money Defined Access Isa pays a slightly higher 1.51% but, as on the non-Isa version, you are limited to taking money out of your account no more than three times a year. You can transfer your existing cash Isas to Virgin Money, but not to the National Savings account. Nationwide at 1.4% accepts transfers and does not limit you to the number of withdrawals you make. On fixed-rate cash Isas, top deals come from Virgin Money at 1.71% for one year. For two years both Halifax and Virgin Money pay 2%.
Source Moneywise http://ift.tt/1LOo7LV
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