Find a savings account with a consistently good rate

With each base rate cut, savings providers are cutting rates by different amounts on each accounts. As a result it is hard for savers to know where to move their money to get the best deal.

Some people are happy to chase best buy deals, constantly switching their money from one provider to another, but many would rather find an account paying a consistently good rate.

Moneyfacts Consistency Survey Jan 2009

79% of the most consistent accounts are from building societies
Principality BS has the most consistent products, with five products in the consistency tables
Sainsbury's Finance continues to dominate the internet savings consistency table

Michelle Slade, analyst at Moneyfacts.co.uk, comments: "Savers are really having a difficult time at the moment, particularly those that rely on the income from their savings as their main source of income.

"With so many changes to rates going on in the market, it is difficult to know where to move your money to, as an account that tops best buys one minute may see its rate greatly reduced the next.

"The Moneyfacts consistency tables show the accounts that continue to pay a good rate of return. They may not be best buy rates, but had you left your money with them for 18 or 36 months, you would have achieved the best rate of return.

"If you are happy constantly switching your money then you can get higher returns, but many savers don't have the time or inclination to keep moving accounts.

"Once again the percentage of accounts from building societies continues to increase, showing that savers shouldn't just look to the big banks for the best deals.

"Taking five out of the 48 spaces, Principality BS has by far the most consistent products. Unlike many other providers it doesn't constantly change the products it has on offer and maintains competitive rates of returns for its members."