With the ISA season in full swing, you'd think we would have seen a barrage of competitive rates coming on to the market.
Sadly, the rates are nowhere near the dizzy pre-credit crunch heights, so it's all the more important you search for the account that best suits your needs.
Chorley Building Society is offering 2.5% interest on its variable-rate cash ISA. While the top rate currently available on the market is from Coventry Building Society at 2.8%, the account comes with a 0.6% bonus for 12 months, so the rate will fall after a year is up.
Find the best Cash ISA or savings account for you
The Chorley BS ISA has no bonus rate, meaning there's no need to worry about the figure dropping to a dismal level in 12 months' time.
This is a 60-day notice account but you can put money in at any time as long as it does not exceed your annual ISA allowance.
The cash ISA has a minimum balance of £1 and interest is paid yearly. It is only available in-branch or by post, so lacks the convenience of online or phone banking. Chorley Building Society does not allow transfers-in from older ISAs you might have.
If you need to be able to get your hands on your money quickly, the building society also offers an instant-access account, but the rate is lower at only 2.2%.
For further information go to chorleybs.co.uk or call 01257 235000.