Bank · FDIC insured
WaterStone Bank CD Rates
WaterStone Bank’s best CD rate is 4.40% APY on a 9-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How WaterStone Bank’s CD rates compare
Compared with banks and credit unions near Milwaukee, WI, where WaterStone Bank has the most branches. $10,000, best rate first.
This bank’s best
WaterStone Bank
4.40%APY
- Term
- 9 months
- Minimum
- $5,000
- Earns on $10,000
- $328
Promotional Certificate of Deposit
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
2nd-highest rate
Bank Five Nine
4.65%APY
- Term
- 23 months
- Minimum
- $2,500
- Earns on $10,000
- $910
WaterStone Bank CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where WaterStone Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Promotional Certificate of Deposit
Up to 4.40%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.40% | $328 |
| 12 months | 4.00% | $400 |
| 19 months | 3.60% | $576 |
| 25 months | 3.60% | $765 |
| 36 months | 3.00% | $927 |
Sources (2)
All captured Oct 5, 2026
Purpose CD
1.00%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
Sources (3)
- wsbonline.com/personal/special-offers
- wsbonline.com/deposit-rates
- wsbonline.com/personal/savings/personal-cds
All captured Oct 5, 2026
Certificate of Deposit
Up to 0.70%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.15% | $7 |
| 12 months | 0.25% | $25 |
| 24 months | 0.40% | $80 |
| 36 months | 0.50% | $151 |
| 48 months | 0.60% | $242 |
| 60 months | 0.70% | $355 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Promotional IRA Certificate of Deposit
Up to 4.40%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.40% | $328 |
| 12 months | 4.00% | $400 |
| 19 months | 3.60% | $576 |
| 25 months | 3.60% | $765 |
| 36 months | 3.00% | $927 |
Sources (1)
- wsbonline.com/deposit-rates · captured Oct 5, 2026
Fixed-Rate IRA CD
Up to 0.70%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.15% | $7 |
| 12 months | 0.25% | $25 |
| 24 months | 0.40% | $80 |
| 36 months | 0.50% | $151 |
| 48 months | 0.60% | $242 |
| 60 months | 0.70% | $355 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.