1.  A flat rate plan offers reduced rates but only if you call during non-peak hours.

2.  Credit unions already offer competitive rates on loans.

3.  Most lenders offer low rates for the first couple of years only to raise them again in the future.

4.  Most TV stations offer special rates to local advertisers.

5.  Naturally the best rates are offered when interest rates are high and expected to rise even further.

6.  Other accounts offer better rates, but give you instant access to your cash without penalising you.

7.  So they could offer cheap rates for unlimited access.

8.  Some hotels offer special rates for children.

9.  Some insurance companies offer lower rates for drivers who do not use their cars for business.