We use your dollars to fund loans to:

Grow Your Change

Earn interest on your dollars, while driving impact in New England, New York, and beyond.

Watercolor illustration featuring three scenes: a wood-sided barn set against a clear blue sky in New Hampshire, an array of vendors at a New England outdoor farmers' market, and a set of solar panels in an open field.
Watercolor of a wood-sided barn in New Hampshire set against a clear blue sky.
Watercolor of an array of vendors at a New England outdoor farmers’ market.
Watercolor of a set of solar panels in an open field.

For Individuals

Grow Local High-Yield Cash Accounts

Big Return & Big Impact

Up to 3.40% APY*

Grow your change with market-leading interest.  

No Surprise Fees

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

Your Money on your terms

Unlimited free bank transfers, mobile check deposit, and free ATM access2.

Safe & Insured

FDIC insurance up to $250,000 - with more coverage available by request1.

summer farm dividend

Our Summer Farm Dividend supports local food by putting $100 in your pocket3.

Giving thanks 2024

For this year’s holiday season, we invited members of our community to send us photographic expressions of gratitude for an under-appreciated member of your community. Now we need your help! Vote between now and Sunday November 24th to help select 10 finalists.

One winner will get an expenses-paid weekend trip to Hudson, NY to experience Walden partner businesses directly.

Vote Now!

For Organizations

Customized loans for local food, agriculture, and other innovators pursuing a healthier and more sustainable community.

Loans built for you

Terms that fit you and your business, designed by lenders who live and breathe food, agriculture, and sustainability innovation.

Explore Business Loans
B Lab logo

A VALUES-DRIVEN LENDER

Cooperatively governed,  focused on food systems change. Plus we cover the first $500 in fees for certifications like B Corp.4

Explore Business Loans

All the tools you need

Grow Local Business accounts that come with all the features you need - but no minimum balances, no ATM fees, no monthly fees, and no surprise charges.3

See Grow Local for Businesses

Building Bridges Across the Ecosystem

Trusted Partner to the Most Impactful Businesses in the Region

For the full story: Our 2023 Annual Report

Annual report: An inside look at our first year. 2023 Walden Mutual Bank Annual Report. Published on May 4th, 2024

We were created to enable anyone to make positive and lasting change in our local food ecosystem. Read our 2023 Annual Report for the full story.

Read More

See what we've got cooking.

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

Join the Waitlist

Blog

Featured Article

Local Food

Why is Good Food So Expensive?

Read More

Governance

On Accountability

Partner Stories

Shizu Okusa, Apothékary

Partner Stories

Ismail Salhi and Johanna Hartzheim, Wildgrain

Our 100-Year local impact CD

Earn 4.75% fixed APY* and support a century of impact by opening yours today.

The first step is opening and funding a Grow Local account.

Learn about the 100-year CD

In the News

“What we have here is finance meeting farming and doing good, not evil.”

The New York Times

“Walden Mutual gets first NH charter for a mutual bank in a century”

CONCORD MONITOR

“If you care about sustainable food, you need to think beyond where you buy–to where you bank.”

the Boston Globe

“There seems to be this tremendous desire in general for folks to align their investment activities with social impact.”

GBH

“Fertile Financing: Walden Mutual Applies Old-School Banking to Modern Needs"

Edible boston

“The Rise of Socially Responsible Banking”

Forbes

“In Concord, Nation’s First Mutual Bank in 50 Years Looks to Serve the Region’s Farms”

Concord monitor

“We’d like to be an enabler - supporting the people who are getting their hands dirty and bringing more individuals on board.”

Northeast sustainable Agriculture Working Group

* Annual percentage yield

Grow Local account rates current as of November 1st, 2024. Interest is compounded daily, posted monthly. Subject to change without notice. Tiered rates apply only to individual Grow Local accounts. Extra 1% (total of 3.40%) 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% of annual percentage yield (resulting in 2.40% APY).

Local Impact CD rates current as of November 1st, 2024. Interest is compounded daily, posted monthly. Subject to change without notice. $1,000 minimum to open. Penalties may apply for early withdrawals.

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