Do You Want Your Money to Matter? The Feeling is Mutual.

As a mutual bank, Warsaw Federal is owned by the people who borrow or deposit with us. Even better, when you bank with your local mutual bank (that’s us!), the dollars you deposit have a direct, positive impact in YOUR neighborhood. We reinvest into our local economy in the form of mortgage loans, business loans, charitable donations, hands-on help for local residents, and more. 

Do you want your money to make a difference in your community? The feeling is mutual – because it’s our community, too!

Why Mutual Banks Matter

Community Commitment

5% of our profit is reinvested locally.

Personalized Service

Decisions are made by people who live and work right in your neighborhoods.

Supporting Community Growth

Every account opened and every loan given has a positive impact on local businesses and families.

2024 Community Impact Report

Our customers (that’s you!) are the reason we were able to positively impact our communities, from helping students thrive through our internship program to sponsoring local events. Read how you made an impact last year.

Ready to Bank Local with us?

The feeling is mutual.

“Tom and his team did an amazing job. We had multiple quotes from different lenders, and Tom was able to provide us with a reasonable interest rate for our mortgage. He was very responsive and available whenever you need to contact him. We would highly recommend him and his team to anyone!”

– H.P.

“Danielle and Scott were amazing to work with. They were able to answer any and all questions in a timely manner.”

– Megan H.

“You guys are top of the line. Thank you Phil Forbes, you are incredible.”

– Joshua P.

    We’re a proud member of Mutuals Matter

    As a member of Mutuals Matter, we join other mutual banks across the country who are dedicated to serving and investing in our customers and communities.

    Together, along with our customer and the communities, we can be a part of something bigger. Something that’ll be around for a long time. Something we can all believe in. Because Mutuals matter.