Local Impact 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.

Terms and APYs
Term	Rate (APY)
3 Month	2.05%
6 Month	3.50%
1 Year	3.60%
2 Year	3.60%
3 Year	3.15%
5 Year	3.25%
10 Year	4.25%
100 Year	4.75%

To open a Local Impact CD, start by applying for and funding a Grow Local account.

OPEN An ACCOUNT

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.

"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.

summer FARM DIVIDEND

This summer, we'll give qualifying depositors $100 to spend at farms, farmers markets, or related
businesses.⁶

what people are saying

"Great way to put your money where your mouth is, assuming your mouth is in favor of environmentally sustainable world. I moved my funds to this bank because I realized that staying in a Big Four bank was my biggest carbon footprint. I didn’t want to be a problem. I wanted to be part of the solution."

Google review

“I’m so excited about our new accounts and consolidating our finances in a way that supports both us and local food!”

walden depositor

"This is the bank account of my dreams! We’ve always been committed to non-harmful banking, but to have it supporting businesses in our backyard is so exciting!"

Walden Depositor in Vermont

“The debit cards are so pretty!”

walden debit cardholder

Competitive Interest Without Hidden Fees

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

Higher returns

Our Local Impact 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.⁵ Straightforward and simple.

Safe & sound

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.

To open a Local Impact CD, start by applying for and funding a Grow Local account.

OPEN An ACCOUNT

Other Bells & Whistles

Range of extended terms—from 1 to 100 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)⁵
If you're interested in opening a Local Impact CD, first open and fund a Grow Local account

Interested in more information on our new 100 year CD? Check out our supporting resources.

Download Info Sheet Learn about the 100-year CD

Join the Waitlist

Annual Percentage Yield. Grow Local account rates current as of December 27th, 2024. Interest is compounded daily, posted monthly. Subject to change without notice. Tiered rates apply only to individual Grow Local accounts. Extra 1.00% (total of 3.05%) 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 2.05% APY). Fees could reduce the earnings on the account.

Annual Percentage Yield. Grow Local Community account rates current as of December 27th, 2024. Daily compounding, posted monthly. Subject to change without notice. Fees could reduce the earnings on the account.

Annual Percentage Yield. Local Impact CD rates current as of December 27th, 2024. 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.

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.