Money Savings & Finance Blog

I had just written this "Nothing has changed for the best ISA - Tax Free Savings, but the instant access savings accounts have changed a fair bit with Nationwide MySave Online Plus dropping it's rate from 2.99% to 2.78%, however all is not lost with Northern Rock offering up an online instant access account of 3% in the form of the E-Saver Issue 4 internet banking account." Then as I was about to publish the blog I noticed that Nationwide have launched their Christmas Loyalty 3 year ISA, and Christmas Loyalty 3 year Bond with better than market interest rates. Here's the rest of today's great deals:

Best interest rates for Cash ISAs:

best flexible cash ISA:
Santander Flexible ISA 3, best flexible cash isa, giving 2.85%

best 1 year ISA Bond:
Northern Rock, 1 Year Fixed Rate Cash ISA Issue 150, 3.05% best fixed ISA

best 2 year ISA Bond:
Santander Fixed Rate Postal ISA offering 3.25%
Marks & Spencers 2 year fixed rate ISA bond, M&S Finance ISA rates

best 3 year ISA Bond, Nationwide have just launched their Christmas Loyalty 3 year ISA with an interest rate of 4.5% for balances between £1,000 and £10,000:
Nationwide, Christmas Loyalty ISA, best 3 year tax savings, best 3 year ISA.
Nationwide, 3 year Fixed Rate ISA (annual interest) - savings interest rates

best 4 year ISA Bond:
Halifax, 4 year fixed rate ISA, Halifax Fixed Rate ISA Saver 4.25%

best 5 year ISA Bond:
Northern Rock, 5 Year Fixed Rate Cash ISA Issue 152, 5 year fixed rate bond
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Savings
Best Instant Access:
Northern Rock, E-Saver Issue 4, best instant access internet savings account.

Best 1 Year Bond:
Best 1 year savings Bond, Northern Rock, 1 yr e-bond issue 3, 3.15%

Best 2 Year Fixed Rate Bond:
Best 2 year Fixed Bond savings account, Post Office Growth Bonds, 3.65%

Best 3 Year Bonds, Nationwide are offering 4.5% for 3 years with a balance between £1,000 and £10,000, with 3 other banks and building societies offering 4%:
Nationwide, Christmas Loyalty Bond, best 3 year savings bond, best interest rate.
Northern Rock, 3 yr e-bond issue 4, internet banking account offering fixed: 4%
Post Office 3 year fixed rate savings bond, 4% interest.
Yorkshire Building Society, great web-based e-Bond savings product.


Best 5 Year Bond:
The AA 5 Year Postal or Online fixed term savings account offering 4.5%
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Credit Cards:
Best Interest Free Spending period:
Tesco Clubcard Credit Card is still best for 0% spending - 13 months interest free

Longest Interest Free Balance Transfer Credit Card:
MBNA Platinum Visa Credit Card, Balance Transfer Credit Card.

Best Every Day Low Interest Rate Credit Card:
Barclaycard Platinum Simplicity Credit Card, low interest credit card 6.8% APR
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Personal Loans:
best personal loan:
Nationwide Personal Loan now down to 7.5%