Offers

Home Equity Lines of Credit - HELOC Intro Rate (HELOC) are subject to credit and property approval, WaterStone Bank SSB (Bank) underwriting guidelines, Loan to Value, and may not be available in all states. The terms of the HELOC may vary. Certain conditions, terms, and restrictions may apply based on the loan program selected. *Annual Percentage Rates (APRs) listed are effective October 3, 2023. Introductory rate APR of 5.99% will be fixed for 6 months from account opening and is only available with the set-up of automatic recurring monthly payments from a Bank deposit account. Refinances of existing Bank home equity products are excluded from offer. After the introductory rate period, the APR will be variable and based upon the U.S. Prime Rate as published in the Wall Street Journal on the last business day of the month, plus the Bank’s margin. As of October 3, 2023, the APR was 8.50% and subject to change. There is no limit on the amount by which the rate can change during any one-year period. Rates may vary but will not exceed 18% and will not fall below 4.25%. Required closing costs related to a property appraisal, title insurance, and other fees range from $0 to $1,200. A Loan Processing fee of $250 will be collected at loan closing. An early termination fee of 2% of the amount prepaid up to $500 will be charged if closed within three years of account opening. A $75 annual fee will be charged each year. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Minimum loan amount of $5,000. HELOC product allows for interest only payments, which will result in a balloon payment of the outstanding balance plus any accrued and unpaid interest and fees due and payable at the end of the term. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor regarding tax deductibility of interest and charges. Offer and terms subject to change at any time. For more information, please request current interest rate, margin, and rate information or visit a branch. REV092923

^Bonus ($50 for an individual and $200 for a business) will be credited to referring customer’s WaterStone Bank SSB (WSB) depository account within 30 business days of the individual or business you refer opening an account with WSB or 30 business days from when the certificate is issued by the bank for accounts opened online. The individual or business you refer cannot be an existing WSB customer, and the new account must have been opened within 90 calendar days of certificate issue date. Account minimums apply. Individual account minimums include: $25 minimum to open a Blue’s Jr. Bankers Savings Account; $100 minimum to open a Checking Account; $10,000 minimum to open a Money Market Account; $5,000 minimum to open a Promotional CD; $100 minimum to open a Purpose CD; $1,000 minimum to open a Standard CD; $100 minimum to open a Statement Savings Account. Business account minimums include: $100 minimum to open a Checking Account; $100 minimum to open a Savings Account; $100 minimum to open a Business Money Market; $5,000 minimum to open a Promotional CD; $1,000 minimum to open a Standard CD. Certificate must be presented at the time of new account opening by the individual or business you refer for you to obtain the bonus. If the new account was opened online, certificate must be mailed to WaterStone Bank, 11200 West Plank Court, Wauwatosa, WI 53226 or dropped off at a WSB branch within 14 calendar days of account opening. By using the referral certificate, the individual or business you are referring will be aware that you are a customer of WSB. Employees and agents of WaterStone Bank SSB, its respective affiliates and subsidiaries and members of their immediate families and households are not eligible. Does not apply to HELOC accounts. For tax reporting purposes, a 1099 will be issued at yearend to recipients of bonuses. Offer subject to change at any time. REV090122

Promotion is accurate as of 8/04/2023. The promotion is subject to change at any time, the promotion will end on 9/30/2023. There is no limit to the number of referrals made by bank customers, each successful referral hired will be paid $500. If the referred individual(s) is hired by WaterStone Bank, the bank will pay the customer directly upon hire. The bank will credit the customer within 30 days of successful hire to the customers checking account. If you do not have a checking account, credit is applied to money market. If you do not have a money market, credit is applied to savings account. If the customer does not have a depository relationship with WaterStone Bank, a bank representative will reach out directly to find the best option available. Employees and agents of WaterStone Bank SSB, its respective affiliates and subsidiaries and members of their immediate families and households are not eligible. For tax reporting purposes, a 1099 form may be issued at year end for recipients of bonuses. Please see your bank representative for further details.

*Promotion is accurate as of 3/1/2022. $50 HSA bonus offer requires a WSB checking, savings or money market account to receive bonus. The bank will credit the customer’s account within 30 days of opening new HSA. The credit will be applied to your primary checking account first. If you do not have a checking account, credit is applied to money market. If you do not have a money market, credit is applied to savings account. All offers require account to be open and active for the entire statement cycle in order to qualify for the statement cycle’s bonus. A $50 payback fee will be imposed if your HSA is closed within 180 calendar days of account opening. For tax reporting purposes, a 1099 form may be issued at yearend to recipients of bonuses. Offer subject to change at any time.

As a bank dedicated to supporting our local communities, we hope these discounts encourage you to support our non-profit partners.

Annual Percentage Yield (APY) is effective as of 12/26/2022. Minimum balance to open and earn APY is $100.00. A penalty may be imposed for early withdrawal and fees may reduce earnings. Advertised APYs are subject to change without notice. Please see account disclosure for more details.