If they know your money is tied in for three years, they are less likely to match any future rate rises because they know you can't move the money. I wouldn't listen to what the branch staff said. Unless it states that it tracks the ECB rate, I would be suspicious
For example the AIB regular saver rate will go from 7.1% to the ECB rate in 2008. We may not have as much choice between products in the New year as we do now...........
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