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Annual Report 2024

The Fine Print

Annual Percentage Yield. Grow Local account rates current as of June 17th, 2025. Interest is compounded daily, posted monthly. Rates are subject to change without notice. Tiered rates apply only to individual Grow Local accounts. Extra 1.00% (total of 2.75%) 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 1.75% APY). Fees could reduce the earnings on the account.

Annual Percentage Yield. Spend Local Community account rates current as of August 12th, 2025. Interest is compounded daily, posted monthly. Rates are subject to change without notice. Fees could reduce the earnings on the account.

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Annual Percentage Yield. Local Impact CD rates current as of August 1st, 2025. Rates are subject to change without notice. Interest is compounded daily and posted monthly. A penalty may be imposed for early withdrawal which may reduce the account's interest earnings.

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. First four business debit cards per business are free; refer to waldenmutual.com/fees for pricing information on additional cards.

Annual Percentage Yield. Assabet 12-month Local Impact CD rate current as of April 1, 2025. 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. Signed pledge agreement required.

Annual Percentage Yield. Save Local Business account rates current as of August 12th, 2025. Interest is compounded daily, posted monthly. Rates are subject to change without notice. Extra 1.00% (total of 2.90%) of annual percentage yield applies to balances $10,000-$249,999.99. Balances below ($9,999.99 and under) and above ($250,000 and more) do not qualify for the extra 1.00% of annual percentage yield (resulting in 1.90% APY). Fees could reduce the earnings on the account.

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Annual Percentage Yield. Save Local account rates current as of August 12th, 2025. Interest is compounded daily, posted monthly. Rates are subject to change without notice. Extra 1.00% (total of 3.25%) 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 2.25% APY). Fees could reduce the earnings on the account.

Walden Mutual Partner 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.

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Checkbooks include 60 checks. Contact us for the latest prices. Business checks are priced separately.

The Enterprise Package is a bundle of services designed for more advanced organizations - available all for one low price. Services include desktop check scanning (scanner purchase price not included), Enhanced Fraud Prevention, and additional FDIC insurance coverage. Interested in learning more? Email us at hello@waldenmutual.com or call us at (603) 227-6801.