Offers | WaterStone Bank
CD Rate Special 4.00% for 13, 19, and 25 month

CD Rate Special

4.00% APY for 13 Month, 19 Month or 25 Month CD Rate Special!

Stash your cash with a WaterStone Bank CD special and make the most of your money.

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

Offer Details

Annual Percentage Yield (APY) is effective 1/29/2023. APY depends on the term selected. Minimum balance to open and earn APY is $5,000. A penalty may be imposed for early withdrawal. Upon maturity of your 13 Month Standard Certificate of Deposit (CD), 19 Month CD, or 25 Month CD, your account will automatically be renewed into a CD with a term that is equal to the next shorter CD term. Offer subject to change at any time, please see disclosures for further details.

Ultimate Money Market Rate up to 3.00%

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 first day of a month to the last day of that same month. 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.

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Low and Locked Line-of-Credit

Imagine the Possibilities!
12 Month Fixed Intro Rate of 3.99% APR* | Variable Rate After Intro Period

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!

$500 Employment Referral Bonus!

$500 Employment Referral Bonus!

Any customer of WaterStone Bank who refers a family member or friend they think would be a great fit at our company receives $500 upon hire!

Health Saving Account Offer

Health Savings Account

Open a New Health Savings Account and get $50*! Your savings. Ready when you need it.

debit card discounts

Debit Card Discounts

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

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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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