We use your savings to fund loans to:
Grow Your Change
Earn interest on your savings, while driving impact in New England, New York, and beyond.
OPEN An ACCOUNTFor Individuals
![A logo showing the words Member and FDIC, stacked on top of each other.](https://cdn.prod.website-files.com/61b48000ef9d404a5b16cf3f/61b679e57e6c2c328f5931e0_fdic.svg)
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
![A black and white charcoal illustration of a shopping bag, shown from the side, holding food goods.](https://cdn.prod.website-files.com/61b48000ef9d404a5b16cf3f/61d791e60d3ce151c782b39a_groceries.png)
Sustainable Banking
Singularly focused on food systems change. Plus a range of Partner Perks that make positive impact feel even better.2
![A black and white charcoal illustration of an empty treasure chest, shown from the side at an angle.](https://cdn.prod.website-files.com/61b48000ef9d404a5b16cf3f/61d791e7424c1bc2e5c70fd3_trunk.png)
Straightforward & Free
Up to 3.95% APY* - with a $0.01 minimum balance, no monthly fees, and no surprise charges. Plus we'll cover your ATM fees.3
![A black and white watercolor illustration of a light skinned hand holding a mobile phone vertically, displaying the home screen of the Walden Mutual mobile app.](https://cdn.prod.website-files.com/61b48000ef9d404a5b16cf3f/6336f6d4d7d5052389312100_PhoneHomeBW.png)
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.
![A black and white charcoal illustration of a large field with rows extending out away from the viewer.](https://cdn.prod.website-files.com/61b48000ef9d404a5b16cf3f/630825293f689a7555ea29b5_farmland.png)
Loans built for you
Terms that fit you and your business, designed by lenders who live and breathe food, agriculture, and sustainability innovation.
![The logo for B Lab, an international social and environmental responsibility standards organization.](https://cdn.prod.website-files.com/61b48000ef9d404a5b16cf3f/64cd2487d9103b2a4ce5ec7e_blab.png)
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
![A black and white charcoal illustration of a wheel barrow, shown from the side.](https://cdn.prod.website-files.com/61b48000ef9d404a5b16cf3f/61d791e7259eb80182cb99fa_wheelbarrow.png)
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
Hot off the presses: Our 2023 Annual Report
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We were created to enable anyone to make positive and lasting change to our local food ecosystem. Read our 2023 Annual Report for the full story.
Read MoreOur 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.
* Annual percentage yield
Grow Local account rates current as of July 25th, 2024. Interest is compounded daily, posted monthly. Subject to change without notice. Tiered rates apply only to individual Grow Local accounts. Extra 1% (total of 3.95%) 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 2.95% APY).
Local Impact CD rates current as of July 24th, 2024. Interest is compounded daily, 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.