Birmingham Midshires has fixed it for ISA savers with the launch of its new two year ISA.
Paying 3.40%, the ISA sits just below the market leaders over the two year term.
Adding to its appeal is the ability to access funds early, albeit with the loss of 180 days' interest if the withdrawal is made in the first year and the loss of 90 days' interest in the second year.
Transfers out are also allowed with the same penalties applying.
A minimum investment of £1 is required to open this postal operated account.
However, additional investments are allowed while the issue remains open and transfers in are accepted too.
Four out of five Moneyfacts stars are richly deserved.
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