Should you lock into a fixed-rate savings account paying 5.25%?

Savers face a dilemma: lock down the deals now or wait, with offers tipped to ‘get even better’

Returns on the top fixed-rate savings accounts are at their highest level in years and still climbing, with some now paying up to 5.25%.

It leaves those with money to put away facing a choice: lock into some of the best interest rates on offer in several years or hold your nerve in the hope they get even better?