The best one-year fixed rate bond at 2% (1.6%) comes from BM Savings while Virgin Money pays 1.91% (1.53%). Tesco Bank and GE Capital Direct both pay 2.05% (1.64%) for eighteen months.
For two years you can earn 2.3% (1.84%) with Close Brothers or 2.25% (1.8%) with Tesco Bank, AA Savings or Investec. National Counties Building Society's new bond pays a higher 2.4% (1.92%) but your money is tied up until January 2016.
If you are willing to tie your money up for three years Coventry Building Society has launched a new Poppy Bond paying 2.6% (2.08%) fixed until April 2017.
The society will donate 0.1% of money invested in the Poppy Bond to the Royal British Legion Poppy Appeal.
Or savers can opt for a slightly lower rate of 2.5% (2%) with a higher 0.45% going to the charity.
Shawbrook Bank pays the top three-year rate at 2.65% (2.12%).
The top one-year tax-free cash Isa fixed rate comes from Virgin Money at 1.91% while the best two-year deal is 2.05% from Britannia with Halifax, Aldermore, Post Office, Principality Building Society and Skipton Building Society all offering 2%.
One easy-access cash Isas, Post Office Premier Isa is the leader at 1.8% including an initial bonus while Virgin Money, Britannia and National Savings and Investments all pay 1.75% with no bonus. You cannot transfer your existing cash Isas into the National Savings account.
Find the best cash Isa or savings account for you
The top rate on easy-access account currently comes from BM Savings, paying 1.7% before tax (1.36% after tax).
Halifax is the deposit taker on the account; you are limited to four withdrawals a year and must be prepared to move your money after a year when the rate drops to 0.5% (0.4%).
Coventry Online Saver pays 1.6% (1.28%) and is not boosted by an initial bonus but you are still limited to four free withdrawals a year.
The top deals with no withdrawal restrictions and no bonus to boost the initial rate come from Sainsbury's Bank eSaver Special issue 5 at 1.55% (1.24%) and the new Easy Access Saver from Virgin Money at 1.51% (1.21%).
This article was written for our sister website Money Observer