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

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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

Up to 4.15% APY* - with a $0.01 minimum balance, no monthly fees, and no surprise charges. Plus we'll cover your ATM fees.3

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Simple & Easy-to-use

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

For Organizations

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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A VALUES-DRIVEN LENDER

Cooperatively governed,  focused on food systems change. Plus we cover the first $500 in fees for certifications like B Corp.4

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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.3

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.
Read More

See what we've got cooking.

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

Blog

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.

In the News

* Annual percentage yield
Grow Local account rates current as of February 16th, 2024. Daily compounding, posted monthly. Subject to change without notice. Tiered rates apply only to individual Grow Local accounts. Extra 1% (total of 4.15%) of annual percentage yield applies to balances $10,000-$99,999.99. Balances below ($9,999.99 and under) and above ($100,000 and more) do not qualify for the extra 1% of annual percentage yield (resulting in 3.15% APY).
Local Impact CD rates current as of February 16th, 2024. Daily compounding, posted monthly. Subject to change without notice. $1,000 minimum to open. Penalties may apply for early withdrawals.
1. Federal Deposit Insurance Corporation. Insurance coverage limited to $250,000. Additional insurance coverage available upon request.
2. Terms & conditions apply. See full detail here.
3. Account charges are listed here.
4. Terms & conditions apply. See full detail here.