Savers need to act swiftly to pick up top rate bonds offered by building societies - they can be on sale for just a few days.
The top two-year bond at 2.4% before tax (1.92% after tax) from National Counties Building Society was on sale for just five days before it was withdrawn.
The top one-year fixed rate deal comes from BM Savings, part of Halifax, at 2% (1.6%), while you can earn 2.05% (1.64%) for eighteen months with Tesco and GE Capital Direct.
The best two-year rates come from Close Brothers at 2.3% (1.84%), or 2.25% (1.8%) with AA Savings, where the deposit taker is also Halifax, Tesco and Investec Bank. Shawbrook offers 2.65% (2.12%) if you are willing to tie your money up for three years.
On easy access accounts BM Savings pays 1.7% (1.36%) including an initial bonus but limits you to four withdrawals a year. Coventry Building Society pays a slightly lower 1.6% (1.28%) where the rate is not boosted by an initial bonus, but you are still limited to a maximum of four withdrawals a year.
The top rates on easy access accounts with no bonus and no withdrawal restrictions come from Sainsbury's Bank eSaver Special at 1.55% (1.24%) and Virgin Money Easy Access Saver (available through branches, post or online) at 1.51% (1.21%).
Find the best cash Isa or savings account for you
On tax-free cash Isas, the best one-year fixed rate deals come from Virgin Money at 1.91% along with 1.9% from Post Office, where the deposit taker is Bank of Ireland, and Bath Building Society. Britannia, where the deposit taker is Co-op Bank, pays 2.05% for two years while Coventry tops the three-year deals at 2.75%. However, you can't transfer your existing cash Isas into the Coventry account. The top rate for transfers over three years is 2.25% from Halifax and Aldermore Bank.
On easy access cash Isas, Virgin Money, Britannia and National Savings & Investments all pay 1.75%. But the latter won't accept transfers. Post Office pays the top rate of 1.8% but the rate is boosted by a 12-month bonus.
Last week Nationwide and its offshoots Derbyshire, Cheshire and Dunfermline cut rates on their Easy Isa Account for new savers to 1.6% from 1.75%.
This article was written for our sister website Money Observer