CD and IRA Rates

Certificates of Deposit Specials

Effective July 17, 2024
Minimum Deposit to OpenTermAPY
$1,0009-Month Certificate of Deposit5.00%
*Annual Percentage Yield (APY) is subject to change without notice. The minimum balance to earn interest is $0.01 on all CDs. APY assumes interest remains on deposit. Penalty may be assessed for early withdrawal and fees may reduce earnings. 

Certificates of Deposit

Effective July 17, 2024
Minimum Deposit to OpenTermAPY
$1,0006 months4.50%
$1,00012 months4.50%
$1,00018 months4.00%
$1,00024 months3.50%
$1,00036 months1.20%
$1,00048 months1.30%
$1,00060 months1.50%
*Annual Percentage Yield (APY) is subject to change without notice. The minimum balance to earn interest is $0.01 on all CDs. APY assumes interest remains on deposit. Penalty may be assessed for early withdrawal and fees may reduce earnings. 

Individual Retirement Accounts

Effective July 17, 2024
Minimum Deposit to OpenTermAPY
$25012 months4.50%
$25018 months4.00%
$25024 months3.50%
$25036 months1.20%
$25048 months1.30%
$25060 months1.50%
*Annual Percentage Yield (APY) assumes interest remains on deposit. Interest is compounded daily and credited monthly. There is no minimum balance to earn interest on all IRAs. Fees could reduce earnings. Early withdrawal penalties may be imposed. Personal accounts only. 
For more information about Certificates of Deposit or IRAs, CLICK HERE

To speak with an account representative, just stop in at one of our branch locations or call Customer Support at (978) 573-1300.
 

All Deposits are Insured in Full

At North Shore Bank, every deposit is insured in full. FDIC insures each depositor up to $250,000. All deposits above the FDIC limit are insured in full by the Depositors Insurance Fund (DIF).

Open an Account Online

Click the button below for the desired CD maturity. Please note that 36, 48 and 60 Month terms can only be opened in a branch.