Rates on offer from new banks are edging up. Shawbrook Bank has raised the rate on its one-year fixed rate bond for new savers to a top 2.15 per cent before tax (1.72 per cent after tax).The move comes hot on the heels of the new deal from Metro Bank, out last week at 2.1 per cent (1.68 per cent).Shawbrook has also launched an 18-month deal at 2.35 per cent (1.88 per cent), just behind the 2.4 per cent (1.92 per cent) version from Metro Bank.Other top one-year deals include Charter Savings Bank at 2.07 per cent (1.66 per cent) and Firstsave at 2.06 per cent (1.65 per cent).Easy-access accountsOn easy-access taxable accounts the best rate is 1.65 per cent (1.32 per cent) from RCI Bank Freedom Account. With this bank you are not covered by the UK compensation scheme.If the bank goes bust you claim from the European scheme where the maximum amount is €100,000 (around £70,000).West Bromwich WebSave Easy Saver pays 1.55 per cent (1.25 per cent) and Virgin Money Defined Access Saver 1.51 per cent (1.21 per cent). With the Virgin account you are limited to a maximum of three withdrawals a year.On tax-free cash Isas, National Savings & Investments rate falls from a top 1.5 per cent to 1.25 per cent from Monday (16 November).The best deal with no bonus and no withdrawal restrictions comes from Coventry Building Society at 1.5 per cent. Post Office Online Cash Isa pays 1.51 per cent including a 0.86 percentage point bonus for the first 12 months.Virgin Money Defined Access Isa rate is 1.56 per cent, but it limits you to three withdrawals a year.Top fixed-rate cash Isa deals come from Shawbrook Bank at 1.95 per cent and Virgin Money at 1.81 per cent fixed for one year.For two years Virgin Money pays 2.06 per cent and Coventry Building Society 2.05 per cent fixed until 30 November 2017. All accept transfers from other providers.