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We’ve compared the top savings accounts for 2021. Find the best easy access, cash ISAs, fixed rate savers and regular savers all in one place.
- Best high-yield savings accounts in February 2021 1. Quontic Bank – 0.65% APY, $100 minimum opening deposit Quontic Bank was established in 2005 and has its headquarters in New York.
- Meanwhile, there are one-year fixed-rate accounts paying more than 1% that offer a monthly interest option. Aldermore Bank’s One-Year Fixed-Rate Savings Account pays 1.25% monthly interest.
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Guide to fixed-rate bonds
Banks and building societies want you to invest your cash in their savings accounts, which is why they pay you interest.
Best Savings Account Interest Rates
But with a normal, easy-access account the bank or building society doesn't have any security - you can withdraw your money whenever you like.
That's why they're happy to pay a little bit more to savers using fixed-rate bonds.
These are accounts where you agree in advance not to touch your cash for a set time, typically between six months and five years.
Best Fixed Rate Savings Accounts This Is Money
In return for your money for a guaranteed time, the account provider guarantees you a fixed rate of interest.
Best Fixed Term Savings
That means that, whether rates fall or rise elsewhere, you'll continue to get the amount you agreed.