Personal Savings Accounts

Savings Account
No monthly fee when balance requirements are met*
Earns variable interest rate
Access to over 850 no-fee ATMs in Wisconsin and Minnesota**
Can be used for overdraft protection on a linked Checking account
Click here to see Important Disclosure Details, Assumptions and Other Related Information You must deposit $10.00 to open this account
*A minimum balance fee of $3.00 will be imposed monthly if the average daily balance for the statement cycle falls below $100.00.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month.  To determine your statement cycle please ask your Personal Banker at the time of account opening.  Statements may be received on either a quarterly or monthly basis depending on the type of activity in your account.  Your statement cycle will be used to determine if your account meets minimum balance requirements even though you may not receive a monthly statement.
** With a CheckCard and a linked Checking account

Certificates of Deposit
Flexible Terms
Earns fixed interest rate
Click here to see Important Disclosure Details, Assumptions and Other Related Information To open: Minimum balance $1,000 for standard CDs and $5,000 for promotional CDs

iMoneyMarket Plus
No monthly fee when balance requirements are met*
Earns interest with a variable rate
Limited check writing
Can be used for overdraft protection on a linked Checking account
Companion Checking account is required
Click here to see Important Disclosure Details, Assumptions and Other Related Information You must deposit $100.00 and have a WaterStone Bank Checking account to open this account.
*A minimum balance fee of $20.00 will be imposed monthly if the average daily balance for the statement cycle falls below $10,000.00.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month.  To determine your statement cycle please ask your Personal Banker at the time of account opening.

Moola Moola
The Moola Moola program offers children an opportunity to learn the importance of saving and establishing good financial habits in a fun atmosphere.

For Parents and Educators:

Free Online Economic Resources for Kids
H.I.P. (History in Your Pocket)
Take Charge America
Federal Reserve Education
United States Mint for Parents & Teachers
Click here to see Important Disclosure Details, Assumptions and Other Related Information Only $10 to open an account
No minimum balance or monthly fees
For children 14 and under only. "Moola Moola and the Money Minders" is a product of Bankers Systems, Inc., 1983.

Purpose Savings Accounts
No minimum balance
Earns variable interest rate
Can be used for overdraft protection on a linked Checking account*
Click here to see Important Disclosure Details, Assumptions and Other Related Information You must deposit $10.00 to open this account
* After opening your Purpose Savings account, you may request to transfer funds from your Purpose Savings account to any Checking, Savings, or Money Market account you have with WaterStone Bank, SSB (WSB).

Super Savings
No monthly fee when balance requirements are met*
Earns variable interest rate
Access to over 850 no-fee ATMs in Wisconsin and Minnesota**
Can be used for overdraft protection on a linked Checking account
Click here to see Important Disclosure Details, Assumptions and Other Related Information You must deposit $10.00 to open this account
* A minimum balance fee of $10 will be imposed monthly if the average daily balance for the statement cycle falls below $5,000. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please ask your Personal Banker at the time of account opening. Statements may be received on either a quarterly or monthly basis depending on the type of activity in your account. Your statement cycle will be used to determine if your account meets minimum balance requirements even though you may not receive a monthly statement.

** With a CheckCard and a linked Checking account