We have two Regulated Savings Accounts: Standard and Extended. Standard has a higher base rate and lower Fidelity Premium and Extended has a lower base rate and higher Fidelity Premium. Fidelity premium is only paid out over amounts which have been in the savings account for 12 months consecutively. So if you are looking to save over longer periods of time, our extended account will be better. If you want to be more flexible to deposit and withdraw money, our Standard option will be better.