Plant Your Pennies

Earn 2.75% APY on your savings while driving tangible impact in our local food and agriculture ecosystem.*

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What are you interested in?

The Sustainable Online Bank You've Been Waiting For

Not just "mission driven"; mission-built from the ground-up to affect food systems change. And the "mutual" part of our name means we're cooperatively governed, legally bound to work for our community.
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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

Competitive Interest Without Hidden Fees

Social and environmental responsibility can also be good for your wallet.
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EARN 2.75% APY
Our flagship Grow Local accounts earn 2.75% APY on all balances. ‍That's enough to Grow Your Change.
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NO SURPRISE FEES
No minimum balances, no monthly fees, and no surprise charges.2 Straightforward and simple.
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FREE ATM ACCESS
Free ATM access anywhere. We'll reimburse up to $15 per month in fees assessed by ATM providers.2

Timeless Values, Modern Digital Banking

Easy-to-use digital tools allow you to manage your savings from anywhere.
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Apply for AN ACCOUNT IN MINUTES
Apply for an account online in 5 minutes or less using your phone, tablet, or desktop browser.
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SIMPLE & FAST TRANSFERS
Link your existing bank accounts just by logging in, and then seamlessly transfer funds.
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EASILY DEPOSIT CHECKS 
Use your phone camera to deposit checks in seconds without the hassle of leaving your home.
An image of the front of the Walden Mutual Partner Card, standing up but horizontally oriented, featuring the light outline of a topographic map of Walden Pond against a grey background, the EMV chip, the cardholder name (Henry D. Thoreau), and the Visa logo.
WALDEN MUTUAL PARTNER CARD
Our partners receive our Walden Mutual Partner Card too.4 Tap, dip, or swipe to pay - and set up transaction alerts through our app.
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SAFE & SECURE
FDIC insurance on all balances up to $250,000,4 industry-grade data encryption, multi-factor authentication - and all the other security features you expect from anyone handling your hard-earned savings.

Other Bells & Whistles

Grow Local Accounts
Certificates of Deposit
  • 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
  • Access to exclusive events, discounts, and product samples from Walden Partner Businesses
  • Range of extended terms—from 1 to 10 years—to maximize impact...and return
  • 10-year CD: Unique opportunity to support long-term investment in food systems change
  • Only $1,000 minimum initial deposit (and minimum daily balance)
  • Use the same digital tools to monitor your CDs on the go
  • Free withdrawal at CD maturity during grace period, or automatically roll over your investment
  • Withdraw early (before maturity) for a marginal penalty (see account charges for details)2
  • If you're interested in opening a Local Impact CD, first open and fund a Grow Local account
Term APY*
3 Month 2.75%
6 Month 3.5%
1 Year 3.5%
3 Year 3.25%
5 Year 3.5%
10 Year 4.0%
100 Year 4.75%
Join the Waitlist

See what we've got cooking.

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

Join the Waitlist

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

* Annual percentage yield, as of May 18th, 2023. Daily compounding, posted monthly. Subject to change without notice.
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