Plant Your Pennies
Earn up to 3.40% APY* on your dollars while driving tangible impact in our local food and agriculture ecosystem.
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.
The Sustainable Online Bank You've Been Waiting For
Not just "mission driven"; mission-built from the ground-up to affect food systems change. And the "mutual" part of our name means we're cooperatively governed, legally bound to work for our community.
Your Money Can Sleep Soundly
Your dfund loans that support positive and lasting change our al 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 Perks3.
Check out our Partner Perks3.
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.
Other Bells & Whistles
- Our Partner Experience team provides surprisingly human customer service
- Stay in control of your finances with alerts - on balance changes, account login activity, and fund transfers
- View account statements and tax documents online and within our app
- 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)2
- 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.
See what we've got cooking.
Join our waitlist for early access to our accounts and behind-the-scenes updates.
* 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.