Savers were seemingly given a stay of execution last week when the Bank of England left base rate unchanged at 0.5% rather than cutting it to 0.25% as widely expected.
But the drop could easily come next month which could lead to even lower savings rates.
Currently, the top easy-access rate is 1.45% before tax (1.16% after) 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%).
The best 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.
Charter Savings Bank pays 1.85% (1.48%) fixed for 18 months or 1.91% (1.53%) for two years.
On tax-free cash Isas, Virgin Money's offers the best one-year deal at 1.3% fixed for a year. 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.