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ISA round up - 11th September

Easy access rates continue to nudge up with four providers paying north of 4.50%. 1 and 2 Year Fixed best buy rates nudged up this week but there was generally little movement in all fixed rate categories and we think this is likely to be the case until the Base Rate decision next Thursday. Financial markets are now pricing in the possibility that Base may not even go as high as 5.75% and calling next week's decision on rates is probably the hardest one for some time. This uncertainty is likely to mean more providers will sit on their hands until they know what the Bank of England has decided before making further moves. Here's our round up of the best buys and key changes in the Individual Savings Account markets:

Easy Access ISA

Shawbrook's 4.58% leads the way ahead of Cynergy and Leeds Building Society, who both pay 4.55%.  Virgin Money, who pay 4.51%, are next although savers must have a Virgin current account to get this rate - but savers can open one to get the rate and this may well be worth doing.  Three Double Access Accounts share third - Newcastle Building Society, Chorley Building Society and Paragon Bank all pay 4.50% on their limited access accounts. Principality Building Society pay the same rate - although their rate includes a 12 month bonus of 0.40%. Coventry Building Society are just behind paying 4.35% on their Six Access account which, as the names suggests, permits six withdrawals before an interest charge for further access. 

Notice ISAs

Loughborough Building Society lead the way paying 5% for 180 Days Notice and 4.75% for 120 Day Notice alongisde Teacher's Building Society who offer identical rates on the same notice periods.  Chorley Building Society are third paying 4.30% for 120 Day Notice - but their easy access pays the 4.50% so this is a better option. Aldermore's 30 Day Notice pays 4.25% but everything below this is beaten by several easy access ISA rates so is not worthy of consideration.

1 Year ISA

Paragon top the charts paying 5.82% to move ahead of Virgin Money at 5.80% - but savers must have or open a Virgin Money current account to get this rate. Third spot sees a three way tie with Shawbrook Bank, OakNorth and Kent Reliance all paying 5.78% rate. UBL Bank's 5.77% is matched by Charter Savings with Secure Trust at 5.75% ahead of Aldermore Bank who pay 5.71%.

2 Year ISA

Paragon Bank lead the way at 5.82%, ahead of Charter Savings at 5.80% with Kent Reliance just behind at 5.79%. Secure Trust pay 5.75% with several providers at 5.65% including United Trust Bank, West Brom Building Society and Close Brothers. Virgin Money offer 5.62% ahead of Aldermore Bank who pay 5.61% alongside Zopa Bank. UBL Bank complete the top 11 paying 5.60%

3 Year ISA

Zopa Bank pay a top rate of 5.56%, just ahead of Close Brothers at 5.55% and Aldermore Bank at 5.51% alongside Shawbrook. Hodge, Secure Trust, Principality Building Society and United Trust Bank all pay 5.50%.

5 Year ISA

Zopa Bank pay a best buy 5.26% ahead of Close Brothers and Secure Trust Bank at 5.25% with Shawbrook at 5.22%.  United Trust Bank pay 5.20% ahead of Hodge at 5.15% and UBL Bank at 5.01%.  

Lifetime ISA

Moneybox are the best buy paying 4% but their rate does include a 0.75% bonus for 12 months.  Nude Finance pay 3.80% but their rate comes with a £2 monthly fee.  Bath Building Society are at 3.79% ahead of Beehive Money at 3.30%. Skipton Building Society pay 3.25% and Newcastle Building Society are at 3% with Paragon still only paying 2.50%.

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