For Individuals

Plant Your Pennies

Earn up to 3.25 APY1 on your dollars while driving tangible impact in our local food and agriculture ecosystem.

The Sustainable Online Bank You've Been Waiting For

Not just "mission driven"; mission-built from the ground-up

Your Money Can Sleep Soundly

Your dollars fund loans that support positive and lasting change in 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.

Partner Perks

Supporting positive and lasting change to our local food ecosystem can also taste really good.

Check out our Partner Perks.7

Accounts Designed for You

Check out our accounts - and pick the one (or more) that best fits your needs.

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.
Annual Percentage Yield (APY)
Not Included
BALANCES  $0.01-$9,999.99
2.25
%
APY16
BALANCES  $10,000-$99,999.99
3.25
%
APY
BALANCES $100,000+
2.25
%
APY
3.25
%
1.9
%
4.75
%
4
%
3
%
3.15
%
3.2
%
3.5
%
3.25
%
2.9
%
%
APY3
Debit card17
Included
Not Included
Not Included
Mobile check deposit
Included
Included
Not Included
Withdrawals
Unlimited
Unlimited
A penalty may be imposed for early withdrawal which may reduce interest earnings.3
Checks18
Included
Not Included
Not Included
Bill pay
Included
Not Included
Not Included
ATM fee reimbursement11
$15/statement cycle
Not Included
Not Included
Positive impact on local food ecosystems
Included
Included
Included
Included
Balances count towards eligibility - but must have linked Spend Local for redemption.
Balances count towards eligibility - but must have linked Spend Local for redemption.
Minimum initial deposit5
$100
$100
$1,000
Minimum daily balance
$0.01 to keep account open
$0.01 to keep account open
$1,000 to earn stated APY
Monthly maintenance fees
None
None
None

Checking

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

Interest yield
Not Included
Debit card13
Included
Mobile check deposit
Included
Withdrawals
Unlimited
Checks18
Included
Bill pay
Included
ATM fee reimbursement11
$15/statement cycle
Minimum initial deposit5
$100
Minimum daily balance
$0.01
Monthly maintenance fees
None

SAVINGS

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

BALANCES  $0.01-$9,999.99
2.25
%
APY16
BALANCES  $10,000-$99,999.99
3.25
%
APY
BALANCES $100,000+
2.25
%
APY
Debit card13
Not Included
Mobile check deposit
Included
Withdrawals
Unlimited
Checks
Not Included
Bill pay
Not Included
ATM fee reimbursement11
Not Included
Balances count towards eligibility - but must have linked Spend Local for redemption.
Minimum initial deposit5
$100
Minimum daily balance
$0.01
Monthly maintenance fees
None

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

3.25
%
1.9
%
4.75
%
4
%
3
%
3.15
%
3.2
%
3.5
%
3.25
%
2.9
%
%
APY3
Debit card13
Not Included
Mobile check deposit
Not Included
Withdrawals
Early withdrawal penalties apply. Penalties may reduce interest earnings.3
Checks
Not Included
Bill pay
Not Included
ATM fee reimbursement11
Not Included
Balances count towards eligibility - but must have linked Spend Local for redemption.
Minimum initial deposit5
$1,000
Minimum daily balance
$1,000
Monthly maintenance fees
None

Timeless Values, Modern Digital Banking

Easy-to-use digital tools allow you to manage your dollars from anywhere.

Apply for an account in minutes

Apply for an account online in 5 minutes or less using your phone, tablet, or desktop browser.

Simple & Fast Transfers

Link your existing bank accounts just by logging in, and then seamlessly transfer funds.

Easily deposit checks

Use your phone camera to deposit checks in seconds without the hassle of leaving your home.

Join Us