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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"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.
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summer FARM DIVIDEND

This summer, we'll give qualifying depositors $100 to spend at farms, farmers markets, or related businesses.1

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

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.

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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.
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