# WaterStone Bank Ultimate Money Market: 3.00% APY

Canonical: https://dealaka.com/offers/waterstone-bank-ultimate-money-market-rate

- Status: Limited reports
- Bonus: 3.00% APY
- APY: 3.00% (12-month intro APY, then variable)
- Requirement: $5,000 minimum, 12-month intro period
- Expires: no published end date
- Availability: Nationwide
- Institution: WaterStone Bank
- Verified: Aug 2, 2026 against wsbonline.com
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Ultimate Money Market.
2. Complete the requirement: $5,000 minimum, 12-month intro period.

## 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

## Sources
- wsbonline.com rate page <https://www.wsbonline.com/personal/special-offers/> (checked Aug 2, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._