CD and IRA Rates

Certificates of Deposit

Effective July 28, 2021
Minimum Deposit to OpenTermAPY
$1,0006 months0.25%
$1,00012 months0.35%
$1,00018 months0.45%
$1,00024 months0.55%
$1,00036 months0.70%
$1,00048 months0.80%
$1,00060 months1.00%

Special Bump Up CD Option Available!

For a limited time, North Shore Bank will be offering a one-time "bump" feature on all new and renewing Certificate of Deposits. For more information, please contact your branch representative or call Customer Support at 978-573-1300.
*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.

Special Terms For Bump CD Option – You will be able to bump up the entire balance of your CD to a new APY for a CD of the same term at any time before the maturity date of the original term. The initial CD term will not change. This offer does not apply to CD specials and may be withdrawn at any time.
Just click on the button below for the desired CD maturity. Please note that 36, 48 and 60 Month terms can only be opened in a branch.

Individual Retirement Accounts

Effective July 28, 2021
Minimum Deposit to OpenTermAPY
$25012 months0.35%
$25018 months0.45%
$25024 months0.55%
$25036 months0.70%
$25048 months0.80%
$25060 months1.00%
*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

For terms and conditions, please refer to our Truth in Savings Disclosure.

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).