I keep them in the bathroom linen closet; which is the coolest place in my house for some reason. Maybe you could keep them in a kitchen cabinet? I personally wouldn't put a creamy product in the fridge because it may inhibit it's "spreadability."
But if that doesn't matter to you, than I guess the fridge would be the best way to keep your products from melting. I think most products have some kind of ingredient in them to keep mold and bacteria from flourishing in the heat and you can purchase little scoops to help you dispense your product without touching it with your fingers; thereby reducing the amount of pathogens introduced into the products environment.
I don't know how melting and solidifying effects product performance.