This Ultimate Money Market account earns 3.00% APY for the first 12 months on balances from $0 to $24,999.99 (all tiers earn 3.00% for intro period), then adjusts to current market rates. New money only; $5,000 minimum required. A $10 monthly fee applies if average daily balance falls below $5,000.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the WaterStone Bank Ultimate Money Market rate
- Apply through the offer page to open the Ultimate Money Market.
- Complete the requirement: $5,000 minimum, 12-month intro period.
The fine print that matters
- Introductory 3.00% APY applies for first 12 months, after which APY adjusts to current market rates
- APY for each tier is based on daily balance method: 3.00% APY on balances $0.00-$24,999.99, 3.00% on $25,000-$49,999.99, 3.00% on $50,000-$99,999.99, 3.00% on $100,000-$249,999.99, 3.00% on $250,000 or more
- $5,000 minimum balance to open
- Offer applied to new money only; funds must not currently be on deposit with Waterstone Bank
- $10 minimum balance fee imposed monthly if average daily balance falls below $5,000
- Account must be open and active for 180 calendar days, or $30 closing fee may be assessed
- A statement cycle may be from the 17th of the month to the 16th of the next month
- Fees may apply and could reduce earnings
Verification and reports
Confirmed against wsbonline.com on Aug 2, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: wsbonline.com rate page (checked Aug 2, 2026)
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