We enable anyone to make positive and lasting change to our local food ecosystem.

Grow Your Change

Systemic shifts like the ones we hope to inspire start locally, with individual relationships and communities.

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What Makes Us Different

Banks make money by using your deposits to fund loans or investments—and what they use your money for has a giant impact on the world we live in.

Lending
100% mission-aligned to:
  • Farms
  • Food businesses
  • Non-profits
  • Other sustainable businesses
Trillions in fossil fuel project financing1
Deposits
4.05%
APY* on FDIC-insured2 Grow Local accounts
1.2%
APY on FDIC-insured savings accounts3
Governance
As a co-owner,
you come first
Wall Street stock prices over everything
Sustainability
The logo of the B Labs' B Corp certification, featuring the words Certified B Corporation and a large B enclosed in a circle.A circular logo for the Fossil Free Certification, awarded by Bank.Green - a non profit that promotes sustainable financing.
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1 year's worth of CO2 emissions
is equivalent to keeping $125,000 in an account at one of the four largest banks in the U.S. for 1 year1

Calculate the Impact of Your Savings

$ Slide to Calculate $$$

Moving $10,000 from a big bank to a climate-friendly bank like Walden Mutual is equivalent to:

  • driving 4,690 fewer miles every year in a gas powered car,
  • skipping 10 flights from Boston to Denver each year,
  • or preserving 2.18 acres of U.S. forests.a

That's an estimated reduction of 1.83 metric tons of CO2 from your carbon footprint (80.4% smaller than the biggest banks).b Instead of financing fossil fuel projects, your savings at Walden fund loans to farms, food businesses, and other sustainability-focused organizations.

  1. a Equivalency data from EPA Greenhouse Gas Equivalencies and ICAO Carbon Emissions Calculator.
  2. b Actual impact may vary. The estimates presented here are based on data from "Saving for the Planet", a 2023 study by Project Drawdown which was not specific to Walden Mutual Bank. It found the average lending impact of the four largest banks (Bank of America, Citigroup, JPMorgan Chase, and Wells Fargo) to be 0.29 tCO2-eq per $1,000 per year. The lending impact of several climate-responsible banks analyzed was found to be 80.4% smaller, averaging 0.057 tCO2-eq per $1,000 per year.

We may be an online bank, but we do a few things differently.

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Money on a Mission

Your savings directly support something you can feel good about.

Want the full story?

Read our Annual Reports.
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Designed For You

For individuals:

Simple FDIC-insured2 accounts with no surprise fees, competitive interest, free ATM access4 - and digital services with just the right amount of human touch.

For businesses:

Competitive rates, simple pricing, digital tools—and support from people with a passion for food and agriculture. Plus straightforward FDIC-insured business checking accounts.

Curious?

Take a look at
our offerings
.
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The Benefits of Community

Our differentiated account benefits come from the connections we make between our individual partners and partner-businesses.

Looking for an example?

Check out our
Partner Perks
.

What Is a Mutual?

In short, "mutual" means cooperative.

We are governed by our community, funded by investors with a bias towards the long-term, and engineered to endure the test of time.

Your Team

As a mutual, we report to our account holders...so it's as much your team as it is ours.

Staff

We're Hiring!

Open roles
If you're passionate about our mission and excited by big challenges, we'd love to talk.
* Annual percentage yield
Grow Local account rates current as of April 29th, 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 4.05%) 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 3.05% APY).

1. https://www.latimes.com/opinion/story/2023-01-18/fossil-fuel-expansion-bank-financed-emissions
2. Federal Deposit Insurance Corporation. Insurance coverage limited to $250,000. Additional insurance coverage available upon request.  
3. As of May 8th, 2024; average across accounts offered by four largest U.S. banks; assumes location of Concord, NH and highest available savings rate
4. We'll reimburse up to $15 per month in fees assessed by ATM providers. A full description of our account charges can be found here.