Help build the infrastructure of the impact economy.

Walden Mutual Bank

Grow Your Change.

Walden Mutual Bank is a sustainable online bank that provides banking services for individuals and businesses, including checking accounts (Spend Local), savings accounts (Save Local), and Local Impact CDs. They offer competitive interest rates up to 2.75% APY with features like unlimited transfers, no monthly maintenance fees, and mobile deposit capture.

Walden Mutual is the first new mutual bank in a generation, founded with the mission to enable anyone to make positive and lasting change in local food ecosystems. As a mutual bank, they operate differently from traditional banks by focusing on community impact rather than maximizing shareholder profits.

Their impact comes from using customer deposits exclusively to fund loans to farms, food businesses, nonprofits, and other sustainable businesses, particularly in New England and New York. Unlike big banks that provide trillions in fossil fuel project financing, Walden Mutual ensures 100% mission-aligned lending that supports local food systems and sustainable businesses, creating systemic change that starts locally with individual relationships and communities.

Impact model

Walden Mutual creates impact through their lending model, using customer deposits exclusively to fund loans to farms, fisheries, forestry operations, food businesses, animal welfare organizations, sustainable businesses, nonprofits, and clean energy projects. This ensures that every dollar deposited directly supports mission-aligned businesses that strengthen local food ecosystems and sustainable practices.

By focusing their lending on New England, New York, and beyond to specifically support local food systems and sustainable businesses, they create positive lasting change in the ecosystems that sustain communities. Their 100% mission-aligned lending approach stands in contrast to big banks that finance fossil fuel projects, ensuring customer money drives environmental and social impact.

Impact metrics

Online Banking for Individuals and Businesses | Walden Mutual Online Banking for Individuals and Businesses | Walden Mutual Skip to main content About For Individuals For Individuals Overview Products Spend Local Save Local Local Impact CDs Features Partner Perks Account Bridge Products Grow Local accounts Local Impact CDs Account Benefits Why your bank matters Summer Farm Dividend Competitive interest without surprise fees For Organizations For Organizations Overview Industries Farms, Fisheries, & Forestry Food Businesses Animal Welfare Sustainable Businesses Nonprofits Clean Energy Products Loans Spend Local Business Save Local Business Spend Local Nonprofit Local Impact Business CDs Industries Farms, Fisheries, & Forestry Food Businesses Non-Profits & Community Organizations Other Sustainable Businesses Grains Products Grow Local Business accounts Grow Local Community accounts Local Impact CDs Loans Blog Your Account My Account Sign up Your Account We use your dollars to fund loans to: Grow Your Change Earn interest on your dollars, while driving impact in New England, New York, a...