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All the energy saved by using a compressor fridge allowed me to use an electric cooker. While This is Money always recommends readers shop around using our best buy tables, in some cases remaining loyal to one bank or building society can pay off. Building societies, due to the fact they are owned by their members rather than shareholders, can pay better rates in the form of a dividend. Employers pay half of this (7.65%) and withhold the other half from W-2 employee paychecks. Loyalty, therefore, literally doesn't pay for savers in most cases. Meanwhile, regulations mean at least 50 per cent of their lending is funded by deposits made by their members, which they have to pay for. While some may turn their noses up at such a slight increase, at a time when rates on easy-access accounts barely touch half-a-percent, it is at least a step in the right direction.
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