WaterStone Bank Savings & Money Market Rates

How WaterStone Bank’s savings 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
0.30%APY
Requires
Another account
Minimum
$100
Earns on $10,000 a year
$30
Money Market with Checking
Top rate
Advia Credit Union
3.75%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$375
Advia Credit Union rates
2nd-highest rate
UMB Bank
3.71%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$371
UMB Bank rates

Compare savings rates near you →

Savings score

Higher than 33% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0000.25%
$100,000 balance$100,0000.40%
QualifiedQualified0.30%

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.

How the score works →

Where WaterStone Bank ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Ultimate Money Market

Up to 1.97%APYPromotional$5,000 to open

Tiered rate money market account that pays interest based on the daily balance method. A $10.00 monthly fee is imposed if the average daily balance for the statement cycle falls below $5,000.00. Account must be open and active for 180 calendar days or a $30.00 closing fee may be assessed.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.	1.97%	$197	Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.
Up to $25,000Standard rate schedule.	0.40%	$40	Standard rate schedule.
$25,000 – $50,000Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.	2.35%	—	Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.
$25,000 – $50,000Standard rate schedule.	1.15%	—	Standard rate schedule.
$50,000 – $100,000Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.	3.03%	—	Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.
$50,000 – $100,000Standard rate schedule.	2.50%	—	Standard rate schedule.
$100,000 – $250,000Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.	3.16%	—	Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.
$100,000 – $250,000Standard rate schedule.	2.75%	—	Standard rate schedule.
$250,000 and upIntroductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.	3.29%	—	Introductory APY applies for the first 6 months for new money only; after 6 months APY adjusts to standard deposit rates. APY accurate as of 9/2/2026. $10.00 monthly fee if average daily balance falls below $5,000.00. $30.00 closing fee if closed within 180 calendar days.
$250,000 and upStandard rate schedule.	3.00%	—	Standard rate schedule.

Sources (4)

All captured Oct 16, 2026

Life Moments Savings Account

0.15%APYRequirements apply$100 to open

Requires a companion consumer checking account; closing checking may result in conversion to a regular Savings Account. A $5.00 monthly fee applies if average daily balance falls below $100.00. Account must remain open and active for 180 calendar days to avoid a potential $30.00 early closing fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Applies to balances below $5,000.01 (balances up to $5,000.00). Monthly fee waived if average daily balance of $100.00 is maintained.	3.00%	—	Applies to balances below $5,000.01 (balances up to $5,000.00). Monthly fee waived if average daily balance of $100.00 is maintained.
Over $5,000APY ranges from 3.00% to 0.15% on balances equal to or greater than $5,000.01. Monthly fee waived if average daily balance of $100.00 is maintained.	0.15%	$15	APY ranges from 3.00% to 0.15% on balances equal to or greater than $5,000.01. Monthly fee waived if average daily balance of $100.00 is maintained.

Sources (4)

All captured Oct 5, 2026

Money Market with Checking

0.30%APYRequirements apply$100 to open

Requires an associated checking account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $25,000	0.30%	$30
$25,000 – $50,000	0.40%	—
$50,000 and up	0.45%	—

Sources (1)

wsbonline.com/deposit-rates · captured Sep 18, 2026

Money Market without Checking

0.25%APY$100 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $25,000	0.25%	$25
$25,000 – $50,000	0.35%	—
$50,000 and up	0.40%	—

Sources (1)

wsbonline.com/deposit-rates · captured Sep 18, 2026

Savings Account

0.15%APY$100 to open

Also referred to as Statement Savings. A $5.00 monthly minimum balance fee applies if the average daily balance falls below $100.00. ATM access is available with a companion checking account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Monthly fee waived if average daily balance of $100.00 is maintained.	0.05%	—	Monthly fee waived if average daily balance of $100.00 is maintained.
$1,000 – $5,000Monthly fee waived if average daily balance of $100.00 is maintained.	0.10%	—	Monthly fee waived if average daily balance of $100.00 is maintained.
$5,000 and upMonthly fee waived if average daily balance of $100.00 is maintained.	0.15%	$15	Monthly fee waived if average daily balance of $100.00 is maintained.

Sources (2)

All captured Oct 5, 2026

Stepping Stone Savings

0.15%APYRequirements apply$25 to open

Stepping Stone Checking Account required to maintain a Stepping Stone Savings Account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.05%	—
$1,000 – $5,000	0.10%	—
$5,000 and up	0.15%	$15

Sources (1)

wsbonline.com/deposit-rates · captured Oct 5, 2026

Special-purpose accounts

Health Savings Account (HSA)

0.20%APYHSA

Tax-favored account for qualified medical expenses for individuals enrolled in a High Deductible Health Plan (HDHP) who are not enrolled in Medicare and not eligible to be claimed as a dependent. Account must be open and active for 180 calendar days, or a $30.00 closing fee will be assessed.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $5,000	0.10%	—
$5,000 – $10,000	0.15%	—
$10,000 – $25,000	0.20%	$20
$25,000 – $50,000	0.25%	—
$50,000 and up	0.30%	—

Sources (2)

All captured Oct 5, 2026

IRA Access Savings

0.10%APYIRA$10 to open

Qualifying IRA contributions can be made at any time. Funds may be withdrawn, transferred, or rolled over subject to IRS guidelines.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$10 and up	0.10%	$10

Sources (2)

All captured Oct 5, 2026

Blue's Jr. Bankers Savings Account

0.05%APYKids and teens$25 to open

For children 14 and under only. Limit one account per customer. No monthly maintenance fees. ATM access available with a companion checking account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance required to earn the disclosed APY.Any balance	0.05%	$5	No minimum balance required to earn the disclosed APY.

Sources (3)

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.

Visit institution website ↗Branches and institution details

← WaterStone Bank overview

How WaterStone Bank’s savings rates compare

WaterStone Bank savings score

Current savings rates

Ultimate Money Market

Life Moments Savings Account

Money Market with Checking

Money Market without Checking

Savings Account

Stepping Stone Savings

Special-purpose accounts

Health Savings Account (HSA)

IRA Access Savings

Blue's Jr. Bankers Savings Account

Opening an account