Banks are busy cutting rates on their fixed-rate deals ahead of Thursday's (14 July) meeting when the Bank of England will announce whether it will cut base rate from 0.5% to 0.25%.
Saga, Sainsbury's and Close Brothers have all either cut rates for new savers or withdrawn from the market buy closing its fixed-rate deals without replacing it with a new version.
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.
Virgin Money Defined Access Saver, available both online and through branches, 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, Virgin Money's new deal at 1.3% fixed for one year beats all its rivals. For two years you can earn 1.4% with Leeds Building Society or Shawbrook Bank.
The best easy-access cash Isa 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.
This article was originally written for our sister magazine, Money Observer.