Personal Savings Accounts
Reach your savings goals faster
Maximize Your Savings Potential
Compare WaterStone Savings Accounts
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Ultimate Money Market^^
Enjoy flexible access to your money, along with the security.
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Promotional & Certificates of Deposit
Maximize your earnings with competitive rates & flexible terms.
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Statement Savings1
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Life Moments Savings Account2
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Blue's Jr. Bankers Savings Account3
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Minimum to Open
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$5,000.00
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$1,000.00 for Standard CDs
$5,000.00 for Promotional CDs |
$100.00 |
$100.00 |
$25.00 |
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Minimum Balance to Avoid Monthly Fee
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$5,000.00
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$100.00
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$100.00
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Monthly Fee (if balance not maintained)
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$10.00
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$5.00
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$5.00
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Earns Interest
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Accepts Ongoing Deposits
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ATM Access
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with Companion Checking |
with Companion Checking |
with Companion Checking |
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Available Mobile Check Deposit
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Check Writing Access
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Limited |
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Use for Overdraft Protection
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Ultimate Money Market^^
Enjoy flexible access to your money, along with the security.
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Minimum to Open
$5,000.00 |
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Minimum Balance to Avoid Monthly Fee
$5,000.00 |
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Monthly Fee (if balance not maintained)
$10.00 |
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Earns Interest
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Accepts Ongoing Deposits
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ATM Access
with Companion Checking
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Available Mobile Check Deposit
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Check Writing Access
Limited
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Use for Overdraft Protection |
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Promotional & Certificates of Deposit
Maximize your earnings with competitive rates & flexible terms.
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Minimum to Open
$1,000.00 for Standard CDs $5,000.00 for Promotional CDs |
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Earns Interest
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Statement Savings1
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Minimum to Open
$100.00
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Minimum Balance to Avoid Monthly Fee
$100.00
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Monthly Fee (if balance not maintained)
$5.00
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Earns Interest
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Accepts Ongoing Deposits
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ATM Access
with Companion Checking |
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Available Mobile Check Deposit
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Use for Overdraft Protection
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Life Moments Savings Account2
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Minimum to Open
$100.00
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Minimum Balance to Avoid Monthly Fee
$100.00
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Monthly Fee (if balance not maintained)
$5.00
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Earns Interest
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Accepts Ongoing Deposits
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ATM Access
with Companion Checking
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Available Mobile Check Deposit
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Use for Overdraft Protection
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Blue's Jr. Bankers Savings Account3
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Minimum to Open
$25.00
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Earns Interest
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Accepts Ongoing Deposits
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Available Mobile Check Deposit
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Your Savings Account Includes
Digital Banking Anytime, Anywhere
Mobile Deposits
Earns Interest
Checking Accounts Designed for You
Classic Club
HERO
MVP
Student Checking
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Credit Cards
Get the flexibility and rewards you need with a WaterStone Bank credit card—secure, convenient, and designed for your lifestyle.
WaterStone Bank Foundation
Supporting our communities through grants and partnerships that make a meaningful impact where it matters most.
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Latest Insight & Education
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For Statement Savings and Money Market: A minimum balance fee will be imposed monthly if the average daily balance for the statement cycle falls below the minimum. 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 Banker at the time of account opening.
^^Interest earned on this account is based on tiers: $0.00 to $24,999.99, $25,000.000 to $49,999.99, $50,000.00 to $99,999.99, $100,000.00 to $249,999.99, and $250,000.00 and higher. ATM access is available with a companion checking account.
1Interest earned on this account is based on tiers: $0.00 to $999.99, $1,000.00 to $4,999.99, $5,000.00, and higher.
23.00% APY on balances below $5,000.00, 0.15% APY on balances equal to or greater than $5,000.00 and requires $100.00 opening deposit. $5.00 minimum balance fee will be imposed monthly if the average daily balance for the statement cycle falls below $100.00.
3For children 14 and under only. ATM access is available with a companion checking account. Contact a bank representative for additional products or rate options that may be available to you.
See Account Disclosure for more information. Product subject to change without notice.
