Best fixed rate cash Isas Isas (Individual Savings Accounts) allow people to save thousands of pounds tax-free every year. The maximum cash Isa amount for this tax year is £5,760. This means that savers who put away the maximum allowance, on a two-year fixed Isa with an average interest rate of 2.1pc, will earn £120.96. On a normal savings account, all money is subject to a basic tax rate (20pc), meaning £5,760 would accrue £96.77 in interest if using the same interest rate of 2.1pc. For higher rate taxpayers (40pc), interest of £72.48 would be earned. Fixed rate Isas mean that savers cannot access their money during the fixed term, if they do, they will face the penality of lost interest. Interest rates on Isas and other savings accounts are influenced most by the UK Bank Rate but also by how keen banks and building socieities are to raise money from savers. Mark Carney, the Bank of England Governor, has indicated that interest rates will remain low until 2016, so the rates on Isas are unliklely to rise significantly for some time. This means that locking your money into a one, two or three year fixed rate Isa could be a good idea if the income meets your needs, and you're certain you won't need to touch the money during the fixed term. For those unhappy with the interest rates offered on Isas, we look at some other, imaginative ways for savers to get income, with our 'Four ways to beat the savings drought'. The best deals One year fixed rate Isa Bath Building Society's one year fixed rate Isa stands at 1.90pc. Savers can deposit from £1. Withdrawals are allowed but are subject to 90 days' loss of interest and transfers in from other Isas are not accepted. If account holders save the maximum amount of £5,760, they would earn £109.44 in interest over the year. Two year fixed rate Isa The Post Office is offering a rate of 2.25pc on its two year fix. Savers can transfer an Isa held with another provider. Access on closure only with a deduction of 180 days interest. Savers would earn £262.12 in interest over two years on the maximum amount of £5,760. Three year fixed rate Isa Virgin Money is offering a rate of 2.40pc on its fixed rate Isa, fixed until November 24 2016. Withdrawals are allowed subject to 120 days' loss of interest. Savers would earn £424.75 in interest over the three years, on the maximum Isa allowance of £5,760. Four year fixed rate Isa Coventry Building Society is offering a rate of 2.75pc on its fixed rate Isa, fixed until May 31 2017. The minimum deposit dis £5,760 and transfers in from other Isas is not permitted. Access on closure only, subject to 120 days' loss of interest. Savers would earn £573.72 in interest over three and a half years, on the maximum Isa allowance of £5,760. Five year fixed rate Isa Principality Building Society is offering a rate of 3.05pc on its five year fixed rate Isa. Savers must deposit a minimum amount of £500 and transfers in from other Isas are allowed. Closure of the account is permitted subject to a loss of 360 days' interest. Savers would earn £933.64 in interest over the five years, on the maximum Isa allowance of £5,760. This guide lists the best deals available and will be frequently updated with the latest information, so bookmark www.telegraph.co.uk/isas