I am a member of Stockport Credit Union, which offers a good home for savings and a very low interest rate to borrowers http://home.btconnect.com/stockportcu/ Unlike the banks, the Credit Union is non-profit making. Joining the Credit Union is a great way of investing in the local community and anyone who lives or works in Stockport can become a member.
This January Stockport Credit Union launched a Xmas Savers Account to encourage members to start saving early for Christmas 2014. When I visited them last week they told me that members were already opening the new account. It shows that everyone needs to save for Christmas!