Nationwide UK (Ireland) Deposit rates

Hi.

had a look earlier at nationwide uk (ireland) deposit rates.

3.15% easy access - 6 withdrawals per year.

3.50% fixed 12 month term deposit - no access.

thinking that the easy access is the way to go - can't really see the attraction in the 12 month fixed rate with no access. i am weary of the irish institutions, although ulster bank has a competitive rate also but are they a safe bank considering today's story?
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Nationwide UK pay 3.4%, not 3.5% for a one year term deposit.

It is normal practice not to give access to deposits for the duration of a term deposit.