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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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 Posted: Thu Aug 03, 2006 1:09 pm Post subject: Yorkshire BS 1 year Fixed ISA - 5.25% ! |
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Yorkshire Building Society 1 Year Fixed Rate CASH ISA offers 5.25% ! Which at the moment looks like the best available.
FULL DETAILS - from Yorks BS
At the start of each month we will set the interest rate that will apply throughout the year to all Fixed Rate Anniversary ISAs opened during that month. A new fixed rate of interest will be set at the start of the following month. Of course, interest rates available in previous or subsequent months could be higher or lower than when your ISA is opened due to changing economic conditions.
Interest
Interest is calculated on a daily basis and will be added to your account on maturity. Alternatively you can choose to take a monthly income from your account. Monthly interest is paid on the last day of each month and must be paid to a bank or another building society account. Therefore, to maximise your tax-free savings you should choose to have annual interest added to your account. Monthly interest is available as some investors take an income from their savings and want their ISA to form part of their investment portfolio.
How much you can save
You can save as little as £100 or up to £3,000 in the 2006/2007 tax year.
You can make additional deposits during the month your ISA is opened, e.g. if you opened your ISA on 1 April 2006, you can add more money up to 30 April 2007 subject to the annual ISA limit.
A new issue of the ISA is introduced each month during April, May and June. When you have opened your ISA, we will give you a passbook showing the amount you have invested.
Setting up more than one ISA
If you open and pay money into Fixed Rate Anniversary ISA in any tax year, you will not be able to open another Mini Cash ISA or a Maxi ISA in that tax year. You can, however, take out a Stocks and Shares Mini ISA in that tax year.
Also, if you have taken out a Fixed Rate Anniversary ISA in one tax year and wish to pay money into it the following tax year, you will not be able to open another Mini Cash ISA or a Maxi ISA in that tax year. See What is an ISA? for more details.
By opening a Mini Cash ISA you will be limiting the amount of investment in equities that you can make through ISAs, if you do not already have a mini stocks and shares ISA (not applicable to TESSA-only ISAs).
On maturity
At the end of the fixed term you can choose to:
Add your new tax year ISA allowance to your existing Fixed Rate Anniversary ISA.
Let your savings automatically be reinvested for a further fixed term at a new fixed rate.
Withdraw some of your money and leave the rest for another year.
Close the account or transfer to another Mini Cash ISA.
When you need your money
You will be able to access or transfer your money during the anniversary month without loss of interest. You can also close your ISA, or transfer it to another ISA provider after it has been opened, however, 90 days' interest will be deducted if you decide to do this (or the total interest earned if less than 90 days). Please note that transfers to other providers require 7 days' written notice. |
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