Deposit Rates, IRA rates & CD Rates for SE Wisconsin | WaterStone Bank

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Deposit Account Annual Percentage Yields (APY) effective as of 12/09/24. Advertised rates are subject to change at any time.

TermsInterest RateAnnual Percentage YieldRequired Minimum Balance to Earn APYRequired Minimum Balance to Open
9 Month CD Special4.22%4.30%$5,000.00$5,000.00
13 Month CD Special4.12%4.20%$5,000.00$5,000.00
19 Month CD Special3.45%3.51%$5,000.00$5,000.00
25 Month CD Special3.45%3.51%$5,000.00$5,000.00
6 Month CD0.15%0.15%$1,000.00$1,000.00
1 Year CD0.25%0.25%$1,000.00$1,000.00
2 Year CD0.40%0.40%$1,000.00$1,000.00
3 Year CD0.50%0.50%$1,000.00$1,000.00
4 Year CD0.60%0.60%$1,000.00$1,000.00
5 Year CD0.70%0.70%$1,000.00$1,000.00
1 Year Purpose CD1.00%1.00%$100.00$100.00

Early withdrawal penalties may apply. See account disclosure for more details.
 

TermsInterest RateAnnual Percentage YieldRequired Minimum Balance to Earn APYRequired Minimum Balance to Open
Fixed Rate IRA Certificates of Deposit
9 Month IRA CD Special*4.22%4.30%$2,500.00$2,500.00
13 Month IRA CD Special*4.12%4.20%$2,500.00$2,500.00
19 Month IRA CD Special*3.45%3.51%$2,500.00$2,500.00
25 Month IRA CD Special*3.45%3.51%$2,500.00$2,500.00
6 Month IRA CD*0.15%0.15%$500.00$500.00
1 Year IRA CD*0.25%0.25%$500.00$500.00
2 Year IRA CD*0.40%0.40%$500.00$500.00
3 Year IRA CD*0.50%0.50%$500.00$500.00
4 Year IRA CD*0.60%0.60%$500.00$500.00
5 Year IRA CD*0.70%0.70%$500.00$500.00
Variable Rate IRA Accounts
IRA Access Savings**0.10%0.10%$10.00$10.00

*Early withdrawal penalties may apply. See account disclosure for more details.

**Interest rates are variable and may change. Fees may reduce earnings. See account disclosure for more details.

Interest RateAnnual Percentage YieldRequired Minimum Balance to Earn APYRequired Minimum Balance to Open
Personal Checking Accounts
Essential Checking0.00%0.00%$100.00
Universal Checking0.05%0.05%$9,999.99 or less$100.00
0.10%0.10%$10,000.00 - $49,999.99
0.15%0.15%$50,000.00 - $99,999.99
0.15%0.15%$100,000.00 or more
Stepping Stone Checking0.00%0.00%$25.00
Business Checking Accounts
Business Essential Checking0.00%0.00%$100.00
Business Advantage Checking0.00%0.00%$100.00
Business Interest Checking0.01%0.01%$2,499.99 or less$100.00
0.05%0.05%$2,500.00 or more
Business Analysis Checking (earnings credit)$100.00

Interest rates are variable and may change. Fees may reduce earnings. See account disclosure for more details.

Interest RateAnnual Percentage YieldRequired Minimum Balance to Earn APYRequired Minimum Balance to Open
Personal Savings Accounts
Savings Account0.05%0.05%$999.99 or less$100.00
0.10%0.10%$1,000.00 - $4,999.99
0.15%0.15%$5,000.00 or more
Blue's Jr. Bankers Savings Account0.05%0.05%$25.00
Stepping Stone Savings*0.05%0.05%$999.99 or less$25.00
0.10%0.10%$1,000.00 - $4,999.99
0.15%0.15%$5,000.00 or more
Business Savings Accounts
Business Savings0.10%0.10%$100.00

Interest rates are variable and may change. Fees may reduce earnings. See account disclosure for more details.

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

Interest RateAnnual Percentage YieldRequired Minimum Balance to Earn APYRequired Minimum Balance to Open
Personal Money Market Accounts
Ultimate Money Market0.40%0.40%$24,999.99 or less$5,000.00
1.14%1.15%$25,000.00 - $49,999.99
2.47%2.50%$50,000.00 - $99,999.99
2.72%2.75%$100,000.00 - $249,999.99
2.96%3.00%$250,000.00 or more
Business Money Market Accounts
Ultimate Business Money Market0.40%0.40%$24,999.99 or less$5,000.00
1.14%1.15%$25,000.00 - $49,999.99
2.23%2.25%$50,000.00 - $99,999.99
2.47%2.50%$100,000.00 - $249,999.99
2.72%2.75%$250,000.00 or more
Discontinued Products ^
Money Market with Checking0.30%0.30%$24,999.99 or less$100.00
0.40%0.40%$25,000.00 - $49,999.99
0.45%0.45%$50,000.00 or more
Money Market without Checking0.25%0.25%$24,999.99 or less$100.00
0.35%0.35%$25,000.00 - $49,999.99
0.40%0.40%$50,000.00 or more
Business Money Market0.75%0.75%$49,999.99 or less$100.00
0.85%0.85%$50,000.00 or more

Interest rates are variable and may change. Fees may reduce earnings. See account disclosure for more details.

^No longer available to be opened.

Interest RateAnnual Percentage YieldRequired Minimum Balance to Earn APYRequired Minimum Balance to Open
Health Savings Account0.10%0.10%$4,999.99 or less$0.00
0.15%0.15%$5,000.00-$9,999.99
0.20%0.20%$10,000.00-$24,999.99
0.25%0.25%$25,000.00-$49,999.99
0.30%0.30%$50,000.00 or more

Interest rates are variable and may change. Fees may reduce earnings. HSA rules apply. See account disclosure for more details.

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