Offers | WaterStone Bank
9 and 13 month CD special

CD Specials

Don’t miss out on these CD specials to boost your savings.

Save time by scheduling an appointment.

Offer Details

1Annual Percentage Yield (APY) is effective 7/16/2023. Minimum balance to open and earn APY is $5,000. A penalty may be imposed for early withdrawal and fees may reduce earnings. Upon maturity of your 9 Month CD, 13 Month CD, 19 Month CD, 25 Month CD, your account will automatically be renewed into a Standard Certificate of Deposit with a term that is equal to the next shorter standard certificate of deposit term. Offer subject to change at any time, please see disclosures for further details.

Ultimate Money Market Rate up to 3.00% APY

Ultimate Money Market

Give your savings a lift when you open an Ultimate Money Market account with up to 3.00% APY*! Talk to a banker today about other available rates.

Scheduling an online appointment is a great way to save time and avoid waiting.


The Consumer Ultimate Money Market Annual Percentage Yield (APY) for each tier is based on daily balance method: 0.40% on balances $24,999.99 or less, 1.15% on balances $25,000.00 to $49,999.99, 2.50% on balances $50,000.00 to $99,999.99, 2.75% on balances $100,000.00 to $249,999.99, and 3.00% on balances equal to or greater than $250,000.00. The APY in each tier is accurate as of 02/01/2023 and will be paid on the entire balance in the account. A minimum balance fee of $10.00 will be imposed monthly if the average daily balance for the statement cycle falls below $5,000.00. 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 of the month to the 16th of the next month. Overdraft Protection requires an additional deposit account with funds sufficient to cover the overdraft items. Fees may apply and could reduce earnings. Account must be open and active for 180 calendar days or a $30.00 closing fee will be assessed at account closing. Contact a bank representative for additional product information or options that may be available to you. Offer subject to change at any time.

Grandmother with granddaughter smiling and enjoying time together.

Gift Giving Made Easy

Enjoy $0 purchase fee May 1 – June 30, 2024. Gift cards are available for any amount from $10 to $1,000 and may be used everywhere Visa debit cards are accepted in the US.

Gift Cards available for WaterStone Bank customers only.


Cards are issued by Pathward, N.A., Member FDIC, pursuant to license from Visa® U.S.A. Inc. and pursuant to license by Mastercard® International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Visa prepaid cards may be used everywhere Visa debit cards are accepted in the US. Mastercard prepaid cards may be used everywhere Debit Mastercard is accepted in the US. No ATM or cash access. No purchase fee through June 30th.

family moving into a new house

Home Equity Line of Credit

Imagine the Possibilities!
6 Month Fixed Intro Rate of 5.99% APR* | Variable Rate After Intro Period

Business referral bonus

Referral Bonus

Any WaterStone Bank customer who refers anyone to open a qualified WaterStone bank account will receive rewards. Give the gift of better banking and reward yourself too!

debit card discounts

Debit Card Discounts

WaterStone Bank customers are eligible to receive discounts at various local attractions! 

1.00%APY on a 12 month Purpose CD

1.00% APY 12 Month Purpose CD

Need a smarter way to grow your savings? WaterStone Bank’s Purpose CD can help you achieve your savings goal. Open your account online today!

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