Comparison

Accounts Designed for You

We’ve been hard at work building a bank that allows you to align your values with your dollars. Check out our accounts - and pick the one (or more) that best fits your needs.

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Checking

Local Impact Cds

Description

Overview

Checking account with all the features you need to manage your money - and no surprise fees.

Savings account earning competitive interest - without maintenance fees or caps on withdrawals.

Certificates of deposit with maturities ranging from 6 months to 100 years.

Interest Rates

Annual Percentage Yield (APY)

BALANCES $0.01-$9,999.99

2.25

APY¹⁶

BALANCES $10,000-$99,999.99

3.25

APY

BALANCES $100,000+

2.25

APY

100

3.25

1.9

4.75

3.15

3.2

3.5

3.25

2.9

APY³

Transactions

Debit card¹⁷

Mobile check deposit

Withdrawals

Unlimited

A penalty may be imposed for early withdrawal which may reduce interest earnings.³

Checks¹⁸

Bill pay

ATM fee reimbursement¹¹

$15/statement cycle

Perks

Positive impact on local food ecosystems

Partner Perks⁷

Summer Farm Dividend⁶

Balances count towards eligibility - but must have linked Spend Local for redemption.

Details

Minimum initial deposit⁵

$100

$1,000

Minimum daily balance

$0.01 to keep account open

$1,000 to earn stated APY

Monthly maintenance fees

None

Checking

Spend Local

Description

Checking account with all the features you need to manage your money - and no surprise fees.

Interest Rates

Interest yield

Transactions

Debit card¹³

Mobile check deposit

Withdrawals

Unlimited

Checks¹⁸

Bill pay

ATM fee reimbursement¹¹

$15/statement cycle

Perks

Partner Perks⁷

Summer Farm Dividend⁶

Details

Minimum initial deposit⁵

$100

Minimum daily balance

$0.01

Monthly maintenance fees

None

SAVINGS

SAve Local

Description

Savings account earning competitive interst - without maintenance fees or caps on withdrawals.

Interest Rates

BALANCES $0.01-$9,999.99

2.25

APY¹⁶

BALANCES $10,000-$99,999.99

3.25

APY

BALANCES $100,000+

2.25

APY

Transactions

Debit card¹³

Mobile check deposit

Withdrawals

Unlimited

Checks

Bill pay

ATM fee reimbursement¹¹

Perks

Partner Perks⁷

Summer Farm Dividend⁶

Balances count towards eligibility - but must have linked Spend Local for redemption.

Details

Minimum initial deposit⁵

$100

Minimum daily balance

$0.01

Monthly maintenance fees

None

CDs

Local Impact Cds

Description

Certificates of deposit with maturities ranging from 6 months to 100 years.

Interest Rates

100

3.25

1.9

4.75

3.15

3.2

3.5

3.25

2.9

APY³

Transactions

Debit card¹³

Mobile check deposit

Withdrawals

Early withdrawal penalties apply. Penalties may reduce interest earnings.³

Checks

Bill pay

ATM fee reimbursement¹¹

Perks

Partner Perks⁷

Summer Farm Dividend⁶

Balances count towards eligibility - but must have linked Spend Local for redemption.

Details

Minimum initial deposit⁵

$1,000

Minimum daily balance

$1,000

Monthly maintenance fees

None

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 1st, 2025. Daily compounding, posted monthly. Rates are subject to change without notice. Fees could reduce the earnings on the account.

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 (APY) for the Spend Local Community account is current as of August 1st, 2025. Interest is compounded daily and posted monthly. A minimum opening deposit of $1,000 is required. Rates may change after the account is opened. Fees may reduce earnings.

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.