Local Impact Cds

Long-Term Impact

Earn higher returns on your savings while driving tangible impact in our local food and agriculture ecosystem.

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Your Money Driving Change

Our certificates of deposits (CDs) are available across a range of maturities, and pay competitive rates while supporting a renaissance in our regional food ecosystem.
Term APY*
3 Month 3.05%
6 Month 4.5%
1 Year 4.5%
2 Year 4.0%
3 Year 3.5%
5 Year 3.25%
10 Year 3.75%
100 Year 4.75%
* Annual percentage yield
Local Impact CD rates current as of April 19th, 2024. Interest is compounded daily, posted monthly. Subject to change without notice. $1,000 minimum to open. Penalties may apply for early withdrawals.
To open a Local Impact CD, start by applying for and funding a Grow Local account.
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Your Money Can Sleep Soundly

Your savings fund loans that support positive and lasting change to our local food ecosystem. Finally align your finances with your values.
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We're the first new mutual nationwide in 50 years - a cooperative structure that holds us accountable to our long-term commitments.
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This summer, we'll give qualifying depositors $100 to spend at farms, farmers markets, or related businesses.1

Competitive Interest Without Hidden Fees

Social and environmental responsibility can also be good for your wallet.
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Higher returns

Our Local Impact CDs earn competitive returns across a range of maturities. It's enough to Grow Your Change.
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No Surprise Fees

No start-up fees, no monthly fees, and easy-to-understand early withdrawal terms.2 Straightforward and simple.
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Safe & sound

FDIC insurance on all balances up to $250,0003, industry-grade data encryption, multi-factor authentication - and all the other security features you expect from anyone handling your hard-earned savings.
To open a Local Impact CD, start by applying for and funding a Grow Local account.

Other Bells & Whistles

Interested in more information on our new 100 year CD? Check out our supporting resources.

1. Terms & conditions apply. See full detail here.
2. Account charges are listed here.
3. Federal Deposit Insurance Corporation. Insurance coverage limited to $250,000. Additional insurance coverage available upon request.

See what we've got cooking.

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

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