WaterStone Bank Rates & Review October 2026

Yes. WaterStone Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Yes. WaterStone Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

The highest CD rate MonitorBankRates has verified for WaterStone Bank is 4.40% APY on its Fixed Rate IRA Promotional Certificates of Deposit - 9-Month, as of October 21, 2026.

The WaterStone Bank CD terms we track include 9 month, 12 month, 18 month, 19 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.60% to 4.40% APY. The institution may offer other terms or specials that are not listed here, so check with WaterStone Bank for its full lineup.

The highest savings rate MonitorBankRates has verified for WaterStone Bank is 3.00% APY on its Life Moments Savings, as of October 21, 2026.

The highest money market rate MonitorBankRates has verified for WaterStone Bank is 3.16% APY on its 6-Month Fixed Ultimate Money Market, as of October 21, 2026.

The highest checking rate MonitorBankRates has verified for WaterStone Bank is 0.15% APY on its Universal Checking, as of October 21, 2026.

WaterStone Bank currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Currently, WaterStone Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

While formal credit repair services are not currently listed, WaterStone Bank provides members with tools to manage their accounts and build a solid financial history.

Most modern institutions like WaterStone Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wsbonline.com.

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

WaterStone Bank's top rates are 4.40% APY on its Fixed Rate IRA Promotional Certificates of Deposit - 9-Month, 3.00% APY on savings, 3.16% APY on money market and 0.15% APY on checking, verified by MonitorBankRates on October 21, 2026. To compare WaterStone Bank with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.