Money Savings & Finance Blog

Once again this week almost everything is the same, rather flat and little changing, I doubt there will be much change in the ISA and savings markets until early March as banks and building societies rush to get our savings, hopefully we'll see offers like March 2010, instant access from Santander 3.5% 12 month tracker always 3% more than bank of england base rate. The only real change was once again in the Personal Loans with Alliance and Leicester & Santander are offering 7.3 percent on personal loans. link towards the bottom of this post:

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, 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:
Barnsley Building Society, Christmas Saver Bond, best 1 year savings account. -up to £1,200 savings.
YBS Savings - Christmas Saver from Yorkshire Building Society-up to £1,200 savings.
for amounts over £1,200 First Save are offering 3.25% http://www.firstsave.co.uk/

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

Best 3 Year Bonds, 3 banks and building societies offering 4%:
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:
Barclaycard Platinum Credit Card with Balance Transfer, great 17 months interest free.

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:
Alliance and Leicester & Santander are offering 7.3 percent on personal loans.