Certificates of Deposit (CD) Rates | WaterStone Bank

Current CD rates

View current CD rates to help choose the right account for you!

  • Flexible Terms
  • Earns fixed interest rate
  • Minimum balance to open: $1,000.00 for standard CDs, $5,000.00 for promotional CDs, and $100.00 for 1 Year Purpose CD


When opening an account, we must receive your opening deposit within 10 business days of your online application in order for you to receive the interest rate that is offered to you at the time your account is opened. If we receive your opening deposit after the 10th business day, your interest rate will be the advertised rate for the term as of the date of funding your new account.

Standard CDsPromotional CDsPurpose CD
Term Varies Varies 12 months
Minimum to open $1,000.00 $5,000.00 $100.00
Mininimum balance to avoid monthly fee $1,000.00 $5,000.00 $100.00
Earn Interest Competitive Market Rate Competitive Market Rate Competitive Market Rate
Online Banking AccessYes
Deposits AcceptedYes
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