{"slug":"waterstone-bank-ultimate-money-market-rate","category":"bank","institutionSlug":"waterstone-bank","product":"Ultimate Money Market","title":"WaterStone Bank Ultimate Money Market: 3.00% APY","bonus":"3.00% APY","unit":"cash","amount":0,"reqShort":"$5,000 minimum, 12-month intro period","expiresOn":null,"status":"live","verifiedOn":"2026-08-02","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Account must be open and active for 180 calendar days, or $30 closing fee may be assessed at closing.","posts":"Interest is paid based on daily balance method; statement cycles run from the 17th of the month to the 16th of the next month.","applyDomain":"wsbonline.com","applyUrl":"https://www.wsbonline.com/personal/special-offers/","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":300,"apyTerm":"12-month intro APY, then variable","listedOn":"2026-08-02","listedAt":"2026-08-02T13:17:36.759Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"wsbonline.com rate page","url":"https://www.wsbonline.com/personal/special-offers/","checkedOn":"2026-08-02"}],"needsVerification":false}