Fixed-rate deals continue to fall ahead of the expected cut in Bank of England base rate next month from 0.5 to 0.25%.
Charter Savings Bank has cut the rate on its one-year fixed rate bond to 1.66% before tax (1.33% after tax), down from last week's 1.79% (1.43%). It is the top online bond on offer.
On the high street the best you can do is 1.5% (1.2%) from Co-op Bank's Britannia Bond. Charter Savings Bank pays 1.7% (1.36%) fixed for 18 months or 1.81% (1.45%) for two years.
French-owned RCI Bank pays a higher 1.9 per cent (1.52 per cent) for two years. With this bank your money is covered up to €100,000 by the French deposit protection scheme rather than the UK scheme.
Premier Leage-linked bond
Virgin Money's new Champion Bond is a one-year fixed rate deal which will pay a tempting 2.5% (2%) if Manchester United win the 2016/17 Premier League title.
The Red Devils are currently second favourites to win behind fierce rivals Manchester City. The bond is on offer online or through Virgin Money branches.
Even if Man Utd don't win, you are still set to earn 1.25% (1 per cent), one of the top fixed rate deals on offer on the high street.
On easy-access accounts the top rate is still 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 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.
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.
This article was originally written for our sister magazine, Money Observer.