I put ?500 per month into my Skipton Regular Saver for 12 months all at 5.0%, and it matured late 2011. This is a great rate - the account was opened via the post with an initial cheque, and subsequent payments were by standing order. Near to maturity the Skipton sent a letter outlining the options - of a fixed term bond or the balance can readily withdrawn.
More recently it was necessary to go to a Skipton branch to open this type of account, and in the last few days the account has, I think, been closed to new applications. We have to hope it will be offered again in the future - similar accounts do seem to be launched periodically by the Skipton.
Excellent rate of 5% gross
Only lasts for 12 months