North Shore Bank CD Rates — October 2026
As of October 22, 2026, North Shore Bank's highest tracked CD rate is 4.40% APY on a 13-month promotional CD ($1,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.05% to 0.35% APY.
Tracking began .
North Shore Bank CD rates
Promotional CDs (7, 13 and 25 months and 10 years) and standard CDs, each with a $1,000 minimum balance. The IRA-only 1-year CD is excluded. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.40% APY (13 months). The standard rate for a similar term is 0.15% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $425 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are North Shore Bank's best CD rates by term?
North Shore Bank's best rate is 4.40% APY on 13 months, verified October 22, 2026.
- 91 days0.05%
- 6 mo0.10%
- 7 mo4.10%
- 12 mo0.15%
- 13 mo4.40%
- 18 mo0.15%
- 24 mo0.20%
- 25 mo4.40%
- 30 mo0.35%
- 36 mo0.20%
- 48 mo0.25%
- 60 mo0.35%
- 120 mo4.00%
How much interest could a North Shore Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$477.01 interest · $10,477.01 at maturity on $10,000.00.
4.40% APY · 13 months · 13-month CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $0.620.05% APY · 91-day CD · Standard | $1.250.05% APY · 91-day CD · Standard | $3.120.05% APY · 91-day CD · Standard | $6.230.05% APY · 91-day CD · Standard |
| 6 months | $2.510.10% APY · 6-month CD · Standard | $5.010.10% APY · 6-month CD · Standard | $12.530.10% APY · 6-month CD · Standard | $25.060.10% APY · 6-month CD · Standard |
| 7 months | $118.634.10% APY · 7-month CD · Promotional | $237.264.10% APY · 7-month CD · Promotional | $593.144.10% APY · 7-month CD · Promotional | $1,186.284.10% APY · 7-month CD · Promotional |
| 12 months | $7.500.15% APY · 1-year CD · Standard | $15.000.15% APY · 1-year CD · Standard | $37.500.15% APY · 1-year CD · Standard | $75.000.15% APY · 1-year CD · Standard |
| 13 months | $238.514.40% APY · 13-month CD · Promotional | $477.014.40% APY · 13-month CD · Promotional | $1,192.544.40% APY · 13-month CD · Promotional | $2,385.074.40% APY · 13-month CD · Promotional |
| 18 months | $11.260.15% APY · 1 ½-year CD · Standard | $22.530.15% APY · 1 ½-year CD · Standard | $56.320.15% APY · 1 ½-year CD · Standard | $112.650.15% APY · 1 ½-year CD · Standard |
| 24 months | $20.020.20% APY · 2-year CD · Standard | $40.040.20% APY · 2-year CD · Standard | $100.100.20% APY · 2-year CD · Standard | $200.200.20% APY · 2-year CD · Standard |
| 25 months | $469.004.40% APY · 25-month CD · Promotional | $938.004.40% APY · 25-month CD · Promotional | $2,345.014.40% APY · 25-month CD · Promotional | $4,690.014.40% APY · 25-month CD · Promotional |
| 30 months | $43.890.35% APY · 2 ½-year Homeowner CD · Special | $87.780.35% APY · 2 ½-year Homeowner CD · Special | $219.450.35% APY · 2 ½-year Homeowner CD · Special | $438.890.35% APY · 2 ½-year Homeowner CD · Special |
| 36 months | $30.060.20% APY · 3-year CD · Standard | $60.120.20% APY · 3-year CD · Standard | $150.300.20% APY · 3-year CD · Standard | $300.600.20% APY · 3-year CD · Standard |
| 48 months | $50.190.25% APY · 4-year CD · Standard | $100.380.25% APY · 4-year CD · Standard | $250.940.25% APY · 4-year CD · Standard | $501.880.25% APY · 4-year CD · Standard |
| 60 months | $88.110.35% APY · 5-year CD · Standard | $176.230.35% APY · 5-year CD · Standard | $440.570.35% APY · 5-year CD · Standard | $881.150.35% APY · 5-year CD · Standard |
| 120 months | $2,401.224.00% APY · 10-year CD · Promotional | $4,802.444.00% APY · 10-year CD · Promotional | $12,006.114.00% APY · 10-year CD · Promotional | $24,012.214.00% APY · 10-year CD · Promotional |
How North Shore Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 7 of 64 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| North Shore Bank (this institution)13-month CD · Promotional | 13 months | $1,000 | Coverage: IL, WI | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Consumers Credit UnionSuper Jumbo Certificate · Promotional | 13 months | $250,000 | Coverage: IL | 4.45% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Coverage: NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking North Shore Bank on October 22, 2026.
About North Shore Bank
- Legal name
- North Shore Bank
- Regulator ID
- FDIC 28679
- Headquarters
- Brookfield, WI
- Available in
- IL, WI
- Total assets
- $2.6 billion
- Also known as
- Website
- www.northshorebank.com
Source: rates read from https://www.northshorebank.com/Rates/Certificate-of-Deposit-Interest-Rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at North Shore Bank?
Among the rates we track, 4.40% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a North Shore Bank CD?
The lowest minimum we found is $50; jumbo and higher balance tiers start at up to $1,000.
How does North Shore Bank's best CD rate compare with Treasury yields?
4.40% APY is −0.20% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are North Shore Bank CDs insured?
North Shore Bank is an FDIC-insured bank (FDIC 28679). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check North Shore Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from North Shore Bank's website and may change at any time. Confirm terms, minimums and eligibility with North Shore Bank before opening an account. This page is not financial advice.