Local Impact Business Cds

Long-Term Impact

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

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.
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Terms and APYs
Term	APY*
3 Month	2.30%
6 Month	3.50%
1 Year	3.75%
2 Year	3.40%
3 Year	3.15%
5 Year	3.25%
10 Year	3.75%
100 Year	4.75%

* Annual percentage yield

Local Impact CD rates current as of December 2nd, 2024. Interest is compounded daily, posted monthly. Subject to change without notice. $1,000 minimum to open. Penalties may apply for early withdrawals.

Need new or used equipment to jumpstart your business? Searching for a working capital line to smooth operations? Something else? We’re ready to talk.

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Competitive Interest Without Hidden Fees

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

Higher returns

Our Local Impact Business CDs earn competitive returns across a range of maturities. ‍It's enough to Grow Your Change.

No Surprise Fees

No start-up fees, no monthly fees, and easy-to-understand early withdrawal terms.¹Straightforward and simple.

Safe & sound

FDIC insurance on all balances up to $250,000², industry-grade data encryption, multi-factor authentication - and all the other security features you expect from anyone handling your hard-earned savings.

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what Businesses are saying

“Walden Mutual understands and empathizes with the challenges of the food industry. They are far more than bank reps and lenders; they are strategic partners, sounding boards, and advocates. For a small food business, it is unheard of to have access to banking partners like that.”

business owner in hudson valley, NY

"Partnering with Walden Mutual was an obvious decision. We both share the same values for promoting healthy nutrition and supporting artisanal and sustainable food production. They were able to quickly grasp our unique needs as a modern food company, understand our business model and provided us with the necessary funding to expand and scale."

FOOD Entrepreneur in Boston

"Agriculture is really going through a lot changes, and we are so grateful to have found a financial partner that understands and wants to help us succeed."

Farm owner in new york

"Charley and Christine know, understand and empathize with the challenges of the food industry. They are far more than bank reps and lenders; they are strategic partners, sounding boards, and advocates. For a small food business, it is unheard of to have access to banking partners like that."

Food entrepreneur in new york

A Better Bank

A Sustainable Online Bank with a Purpose

Finally feel good about where your money sleeps at night. As a Pending B Corp and cooperatively governed mutual, our mission is our single reason for being.

Account charges are listed here.
Federal Deposit Insurance Corporation. Insurance coverage limited to $250,000. Additional insurance coverage available upon request.