We use your savings to fund loans to:

Grow Your Change

Earn interest on your savings, while driving impact here in New England and New York.

A watercolor painting of a red tractor and trailer shown in profile against a wide landscape of a field, low trees, and mountains in the background - all shown from the perspective of someone standing a medium distance away.A wide view watercolor painting of a red tractor and trailer shown in profile against a wide landscape of a field, low trees, and mountains in the background - all shown from the perspective of someone standing a medium distance away.

For Individuals

A logo showing the words Member and FDIC, stacked on top of each other.
Plant your savings in our online FDIC-insured Grow Local accounts to earn interest while supporting New England and New York's local food economy.1
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Sustainable Banking

Singularly focused on food systems change. Plus a range of Partner Perks that make positive impact feel even better.2

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Straightforward & Free

3.25% APY on all balances - with no minimum balances, no monthly fees, and no surprise charges.3 Plus we'll cover your ATM fees.4

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Simple & Easy-to-use

Beautiful digital tools to manage your savings from wherever you are.

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For BUSINESSES

Customized loans for local food, agriculture, and other innovators pursuing a healthier and more sustainable community.
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Loans built for you

Terms that fit you and your business, designed by lenders who live and breathe food, agriculture, and sustainability innovation.

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The logo for B Lab, an international social and environmental responsibility standards organization.

A VALUES-DRIVEN LENDER

Cooperatively governed,  focused on food systems change. Plus we cover the first $500 in fees for certifications like B Corp.5‍

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All the tools you need

Grow Local Business accounts that come with all the features you need - but no minimum balances, no ATM fees, no monthly fees, and no surprise charges.4

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Our 2022 Annual Report

A picture of the cover of Walden's 2022 Annual Report that reads "An inside look at our first year. 2022 Walden Mutual Bank Annual Report. Published on May 4th, 2023"
We were created to enable anyone to make positive and lasting change to our local food ecosystem. Read our 2022 Annual Report for the full story on our founding and first year of operations.
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See what we've got cooking.

Join our waitlist for early access to our accounts and behind-the-scenes updates.

Join the Waitlist

Web Log

Featured Article
Sustainable Agriculture

Going Against the Grain

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Partner Stories

Jimi Tutor, Clyde Farm

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Partner Stories

Carl King, Vermont Natural Beef and Kingston Place

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Sustainable Agriculture

Our Deep Dive into Regional Grains

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Our 100-Year local impact CD

Earn 4.75% fixed APY and support a century of impact by opening yours today.

The first step is opening and funding a Grow Local account. Use promo code "100years" while applying to start the process.
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In the News

“What we have here is finance meeting farming and doing good, not evil.”

The New York Times

“Walden Mutual gets first NH charter for a mutual bank in a century”

CONCORD MONITOR

“If you care about sustainable food, you need to think beyond where you buy–to where you bank.”

the Boston Globe

“There seems to be this tremendous desire in general for folks to align their investment activities with social impact.”

GBH

“Fertile Financing: Walden Mutual Applies Old-School Banking to Modern Needs"

Edible boston

“The Rise of Socially Responsible Banking”

Forbes

“In Concord, Nation’s First Mutual Bank in 50 Years Looks to Serve the Region’s Farms”

Concord monitor

“We’d like to be an enabler - supporting the people who are getting their hands dirty and bringing more individuals on board.”

Northeast sustainable Agriculture Working Group

1. Federal Deposit Insurance Corporation. Insurance coverage limited to $250,000. Addition insurance coverage available upon request.
2. Terms & conditions apply. See full detail here.
3. Annual percentage yield, as of September 1st, 2023. Daily compounding, posted monthly. Applies to Grow Local accounts only for all balances. Subject to change without notice.
4. Account charges are listed here.
5. Terms & conditions apply. See full detail here.

Walden Mutual Partner & Partner Business Cards are Visa® Debit Cards, and are issued by Walden Mutual Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association.