WaterStone Bank, SSB rates: up to 4.40% APY
bank · FDIC CERT 28513 · www.wsbonline.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Blue's Jr. Bankers Savings Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Access Savings | $10.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Life Moments Savings | Below $5,000.01 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $5,000.00 or more | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $999.99 or less | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $1,000.00 - $4,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Stepping Stone Savings | $999.99 or less | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Stepping Stone Savings | $1,000.00 - $4,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Stepping Stone Savings | $5,000.00 or more | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Fixed Rate IRA Certificates of Deposit | 6 Month · $500.00 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Promotional Certificates of Deposit | 9 Month · $2,500.00 | 4.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Certificates of Deposit | 1 Year · $500.00 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Promotional Certificates of Deposit | 12 Month · $2,500.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Promotional Certificates of Deposit | 19 Month · $2,500.00 | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Certificates of Deposit | 2 Year · $500.00 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Promotional Certificates of Deposit | 25 Month · $2,500.00 | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Certificates of Deposit | 3 Year · $500.00 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Promotional Certificates of Deposit | 36 Month · $2,500.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Certificates of Deposit | 4 Year · $500.00 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate IRA Certificates of Deposit | 5 Year · $500.00 | 0.70% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $25,000.00 - $49,999.99 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000.00 - $99,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000.00 - $249,999.99 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000.00 or more | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market with Checking | $24,999.99 or less | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market with Checking | $25,000.00 - $49,999.99 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market with Checking | $50,000.00 or more | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Money Market | $24,999.99 or less | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Money Market | $25,000.00 - $49,999.99 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Money Market | $50,000.00 - $99,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Money Market | $100,000.00 - $249,999.99 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Money Market | $250,000.00 or more | 3.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | $10,000.00 - $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $50,000.00 - $99,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $100,000.00 or more | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking 2.5 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Essential Checking | 0.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Stepping Stone Checking | 0.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Universal Checking | $9,999.99 or less | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Universal Checking | $10,000.00 - $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Universal Checking | $50,000.00 - $99,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Universal Checking | $100,000.00 or more | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.wsbonline.com/deposit-rates/ | 2026-11-01 18:43 UTC | ok | b20bc19287f4 |
| www.wsbonline.com/personal/savings/personal-cds/ | — | extract-failed |