Savers could face lower interest rates this summer. Last week Mark Carney, governor of the Bank of England, hinted that base rate could be cut from its current 0.5% to 0.25% in July or August.
Currently the top paying one-year fixed rate bond comes from online provider Charter Savings Bank at 1.79% before tax (1.43% after tax) or, on the high street, 1.5% (1.2%) from Co-op Bank's Britannia Bond.
For two years Charter Savings Bank pays 1.91% (1.53%) while the rate at Co-op Bank is 1.6% (1.28%).
The top easy-access rate is 1.45% (1.16%) from French-owned RCI Bank's Freedom account. Your money is covered by the pan-European Union deposit protected scheme rather than your home-grown Financial Services Compensation Scheme.
Top cash Isa rates
Virgin Money Defined Access Saver pays 1.26% (1.01%) but you are limited to making three withdrawals a year on this account.
If you make more your rate tumbles to 0.5% (0.4%). Internet-based bank Shawbrook pays 1.25% (1%).
On tax-free cash Isas, the best easy-access rate comes from Coventry BS at 1.3% but you can't transfer your existing cash Isas into this account. Virgin Money Defined Access Isa pays 1.26% and accepts transfers.
On fixed rate cash Isas the top one-year rate is just 1.25% with Leeds Building Society. For two years you can earn 1.4% with Leeds Building Society, Virgin Money or Shawbrook Bank.
This article was originally written for our sister magazine, Money Observer.