[grayrest]

I bank at a credit union [1]. I specifically remember one year where they sent a letter saying roughly "We made too much money. Your account has been credited with your share of the excess." Of course, that's what a credit union implies but they're a bank to me so I'd be in the 7%.

[1] https://www.deltacommunitycu.com/

[arethuza]

I think the UK equivalent would perhaps be a "building society" - which are on that list at 15%.

http://en.wikipedia.org/wiki/Building_society