Special Offers

Exclusive banking specials – all in one place!

Unlock Great Deals at WaterStone Bank

Take advantage of competitive rates and special promotions designed to help you reach your financial goals. Whether you’re opening a new account or looking for better banking options, explore our latest offers today!

Open with as little as $5,000!

Ultimate Money Market | 3.00% APY 12 Month Fixed

Don’t miss out on this great money market rate! Plus, enjoy convenient access to your funds whenever you need it. Offer valid for new money only.

Open online today, or schedule an appointment and talk with a banker.

OpEN Now Schedule an APPOINTMENT

Ultimate Money Market Account is a tiered rate product and pays interest. Annual Percentage Yield (APY) is accurate as of 2/11/2026. The introductory APY applies for the first 12 months, after which the APY will adjust to the current market rates and APY located at wsbonline.com/deposit-rates. APY for each tier is based on the daily balance method: 3.00% APY on balances from $0.00 to $24,999.99, 3.00% APY on balances $25,000 to $49,999.99, 3.00% APY on balances $50,000 to $99,999.99, 3.00% APY on balances $100,000 to $249,999.99 and 3.00% APY on balances $250,000 or more and requires $5,000 minimum balance to open. Offer applied to new money only; funds must not currently be on deposit with WaterStone Bank. $10 minimum balance fee will be imposed monthly if the average daily balance for the statement cycle falls below $5,000. Account must be open and active for 180 calendar days, or a $30 closing fee may be assessed at account closing. Fees may apply and could reduce earnings. A statement cycle may be from the 17th of the month to the 16th of the next month. Contact a bank representative for additional products or rate options that may be available to you. See Account Disclosure for more information. For tax reporting purposes, a 1099 form may be issued at yearend.

Certificate of Deposit Specials

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

Save time by scheduling an appointment with your banker today!

OpEN Now Schedule an APPOINTMENT

Annual Percentage Yield (APY) is effective 12/15/2025. 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 or 13 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

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.

Open Now Schedule an apPOINTMENT

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.

Home Equity Line of Credit

Flexible terms designed to fit your goals.
• 6 Month Fixed Intro Rate of 4.99% APR | Variable Rate After Intro Period
• 12 Month Fixed Intro Rate of 5.49% APR | Variable Rate After Intro Period

APPLY TODAY Schedule an apPOINTMENT

Loans are subject to credit and property approval, WaterStone Bank SSB (Bank) underwriting guidelines, and Loan-to-Value requirements. Not available in all states. Term may vary. Conditions and restrictions may apply. Minimum loan amount of $5,000. Loan Annual Percentage Rates (APRs) listed are effective December 11, 2025. Introductory rate APR of 4.99% fixed for 6 months or 5.49% fixed for 12 months from opening and is only available with the set-up of automatic recurring monthly payments from a Bank consumer checking account. Refinances of existing Bank home equity line of credit 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 December 11, 2025, the APR was 6.75% and subject to change. There is no limit on the amount by which the rate can change during a one-year period. Rates will not exceed 18% and will not fall below 4.25%. Required closing costs related to appraisal, title insurance, and other fees range from $250 to $1,675. An early termination fee of 2% of the amount prepaid up to $500 will be charged if closed within three years of opening. A $75 annual fee applies annually. Property insurance required; if the collateral is in a flood zone, flood insurance required. Product allows for interest only payments, which will result in a balloon payment 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. Consult a tax advisor with questions. Offer and terms subject to change at any time. For current rates, margin, and full terms visit a branch or contact us directly.

Purpose CD

1.00% APY 12 Month

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!

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

Open Now Schedule an APPOINTMENT

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.

What can we help you with?

Have questions about your banking needs? Our friendly team is here to help. Whether you’re opening your first account, choosing the perfect credit card, or planning your financial future, we’re ready to provide personalized support and guidance. Reach out to us by visiting your nearest branch, giving us a call, or making an appointment. WaterStone Bank is here to make banking easy and stress-free for you.

Customer Support Center

(414) 761-1000
(888) 686-7272

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With 14 locations across Milwaukee, Waukesha, and Washington counties, our friendly team is ready to assist you with personalized service, expert guidance, and banking solutions tailored to your needs.

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Schedule an Appointment

Save time by booking an appointment for personalized assistance. Open a new account, set up beneficiaries, or access services like notary, overdraft protection, and currency exchange.

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Latest Insight & Education

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Stay informed and empowered with our collection of articles and tools. Whether you’re looking to improve your financial knowledge or explore tips for better banking, our resources are here to guide you every step of the way.

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