Grow Local
High-Yield cash Accounts

One Account.
A Lot of Impact.

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Earn up to 3.05% APY¹ on your dollars while driving tangible impact in our local food and agriculture ecosystem.

Grow Local High-Yield Cash Accounts

Big Return & Big Impact

Up to 3.05% APY¹

Grow your change with market-leading interest.

No Surprise Fees

No monthly maintenance fees and a $0.01 daily minimum balance.⁵

Your Money on your terms

Unlimited free bank transfers, mobile check deposit, and free ATM access.¹¹

Safe & Insured

FDIC insurance up to $250,000 - with more coverage available by request.⁴

summer farm dividend

Our Summer Farm Dividend supports local food by putting $100 in your pocket.⁶

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what people are saying

"Great way to put your money where your mouth is, assuming your mouth is in favor of environmentally sustainable world. I moved my funds to this bank because I realized that staying in a Big Four bank was my biggest carbon footprint. I didn’t want to be a problem. I wanted to be part of the solution."

Google review

“I’m so excited about our new accounts and consolidating our finances in a way that supports both us and local food!”

walden depositor

"This is the bank account of my dreams! We’ve always been committed to non-harmful banking, but to have it supporting businesses in our backyard is so exciting!"

Walden Depositor in Vermont

“The debit cards are so pretty!”

walden debit cardholder

The Online Cash Account You've Been Waiting For

Our Grow Local accounts fund positive and lasting change in our regional food system - paying competitive rates of interest and providing exciting food-related account benefits along the way.

Your Money Can Sleep Soundly

Your dollars fund loans that support positive and lasting change in our local food ecosystem. Finally align your finances with your values.

"MUTUAL" MEANS COOPERATIVE

We're the first new mutual nationwide in 50 years - a cooperative structure that holds us accountable to our long-term commitments.

Partner Perks

Supporting positive and lasting change to our local food ecosystem can also taste really good. ‍

‍Check out our Partner Perks.⁷

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Timeless Values, Modern Digital Banking

Easy-to-use digital tools allow you to manage your dollars from anywhere.

Apply for an account in minutes

Apply for an account online in 5 minutes or less using your phone, tablet, or desktop browser.

Simple & Fast Transfers

Link your existing bank accounts just by logging in, and then seamlessly transfer funds.

Easily deposit checks

Use your phone camera to deposit checks in seconds without the hassle of leaving your home.

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Other Bells & Whistles

Our Partner Experience team provides surprisingly human customer service
Stay in control of your finances with alerts - on balance changes, account login activity, and fund transfers
View account statements and tax documents online and within our app

Join the Waitlist

Annual Percentage Yield. Grow Local account rates current as of December 27th, 2024. Interest is compounded daily, posted monthly. Subject to change without notice. Tiered rates apply only to individual Grow Local accounts. Extra 1.00% (total of 3.05%) 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 1.00% of annual percentage yield (resulting in 2.05% APY). Fees could reduce the earnings on the account.

Annual Percentage Yield. Grow Local Community account rates current as of December 27th, 2024. Daily compounding, posted monthly. Subject to change without notice. Fees could reduce the earnings on the account.

Annual Percentage Yield. Local Impact CD rates current as of December 27th, 2024. Interest is compounded daily, posted monthly. Subject to change without notice. $1,000 minimum to open. Penalties may apply for early withdrawals. Fees could reduce the earnings on the account.

Federal Deposit Insurance Corporation. Insurance coverage limited to $250,000. Additional insurance coverage available upon request.

Account charges & fees are listed at waldenmutual.com/fees.

Summer Farm Dividend Terms & Conditions apply.

Partner Perks Terms & Conditions apply.

Sustainability Certification Reimbursement Terms & Conditions apply.

Source: https://www.latimes.com/opinion/story/2023-01-18/fossil-fuel-expansion-bank-financed-emissions

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.

We'll reimburse up to $15 per month in fees assessed by ATM providers. A full description of our account charges can be found at waldenmutual.com/fees.

Desktop check deposit also available, but requires purchase of a compatible scanner, and free enrollment and configuration of the service. Send us a note if you're interested!

Walden Mutual Partner Business Card is a Visa® Debit Card 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.

One Account. A Lot of Impact.

Grow Local High-Yield Cash Accounts

Up to 3.05% APY1

No Surprise Fees

Your Money on your terms

Safe & Insured

summer farm dividend

what people are saying

“I’m so excited about our new accounts and consolidating our finances in a way that supports both us and local food!”

"This is the bank account of my dreams! We’ve always been committed to non-harmful banking, but to have it supporting businesses in our backyard is so exciting!"

“The debit cards are so pretty!”

The Online Cash Account You've Been Waiting For

Your Money Can Sleep Soundly

"MUTUAL" MEANS COOPERATIVE

Partner Perks

Timeless Values, Modern Digital Banking

Apply for an account in minutes

Simple & Fast Transfers

Easily deposit checks

Other Bells & Whistles

See what we've got cooking.

One Account.
A Lot of Impact.

Up to 3.05% APY¹