# North Shore Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/north-shore-bank
Institution: North Shore Bank (FDIC 28679)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:48.000Z (October 22, 2026)
Official source: https://www.northshorebank.com/Rates/Certificate-of-Deposit-Interest-Rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 91-day CD | standard | 91 days | $1,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 6-month CD | standard | 6 months | $1,000 | 0.10% | Not ZIP-priced | −4.30% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 7-month CD | promotional | 7 months | $1,000 | 4.10% | Not ZIP-priced | −0.33% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 1-year CD | standard | 12 months | $1,000 | 0.15% | Not ZIP-priced | −4.42% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 13-month CD | promotional | 13 months | $1,000 | 4.40% | Not ZIP-priced | −0.20% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 1 ½-year CD | standard | 18 months | $1,000 | 0.15% | Not ZIP-priced | −4.57% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 2-year CD | standard | 24 months | $1,000 | 0.20% | Not ZIP-priced | −4.67% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 25-month CD | promotional | 25 months | $1,000 | 4.40% | Not ZIP-priced | −0.47% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 2 ½-year Homeowner CD | special | 30 months | $50 | 0.35% | Not ZIP-priced | −4.56% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 3-year CD | standard | 36 months | $1,000 | 0.20% | Not ZIP-priced | −4.75% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 4-year CD | standard | 48 months | $1,000 | 0.25% | Not ZIP-priced | −4.73% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 5-year CD | standard | 60 months | $1,000 | 0.35% | Not ZIP-priced | −4.66% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |
| 10-year CD | promotional | 120 months | $1,000 | 4.00% | Not ZIP-priced | −1.20% | 2026-10-22T16:23:48.000Z | [Snapshot 385](https://apyledger.com/snapshots/385) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.