South Shore Bank (Massachusetts) CD Rates — October 2026
As of October 22, 2026, South Shore Bank (Massachusetts)'s highest tracked CD rate is 3.80% APY on a 5-month CD ($1,000 minimum). That is 2.7 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 2.00% to 3.80% APY.
Tracking began .
South Shore Bank (Massachusetts) CD rates
Personal CDs from 3 to 60 months, including 5-, 7-, 11- and 30-month specials, with a $1,000 minimum daily balance to earn the APY. Specials roll into standard terms at maturity. Business CDs are 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.
What are South Shore Bank (Massachusetts)'s best CD rates by term?
South Shore Bank (Massachusetts)'s best rate is 3.80% APY on 5 months, verified October 22, 2026.
- 3 mo2.53%
- 5 mo3.80%
- 6 mo2.50%
- 7 mo3.65%
- 9 mo2.50%
- 11 mo3.45%
- 12 mo2.50%
- 18 mo2.00%
- 24 mo2.00%
- 30 mo3.25%
- 36 mo2.00%
- 48 mo2.00%
- 60 mo2.00%
How much interest could a South Shore Bank (Massachusetts) 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.
$156.53 interest · $10,156.53 at maturity on $10,000.00.
3.80% APY · 5 months · 5 Month CD or IRA · Standard · 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 |
|---|---|---|---|---|
| 3 months | $31.242.53% APY · 3 Month CD or IRA · Standard | $62.492.53% APY · 3 Month CD or IRA · Standard | $156.222.53% APY · 3 Month CD or IRA · Standard | $312.432.53% APY · 3 Month CD or IRA · Standard |
| 5 months | $78.263.80% APY · 5 Month CD or IRA · Standard | $156.533.80% APY · 5 Month CD or IRA · Standard | $391.323.80% APY · 5 Month CD or IRA · Standard | $782.633.80% APY · 5 Month CD or IRA · Standard |
| 6 months | $62.292.50% APY · 6 Month CD or IRA · Standard | $124.572.50% APY · 6 Month CD or IRA · Standard | $311.432.50% APY · 6 Month CD or IRA · Standard | $622.852.50% APY · 6 Month CD or IRA · Standard |
| 7 months | $105.703.65% APY · 7 Month CD or IRA · Standard | $211.413.65% APY · 7 Month CD or IRA · Standard | $528.523.65% APY · 7 Month CD or IRA · Standard | $1,057.043.65% APY · 7 Month CD or IRA · Standard |
| 9 months | $93.552.50% APY · 9 Month CD or IRA · Standard | $187.092.50% APY · 9 Month CD or IRA · Standard | $467.732.50% APY · 9 Month CD or IRA · Standard | $935.462.50% APY · 9 Month CD or IRA · Standard |
| 11 months | $158.103.45% APY · 11 Month CD or IRA · Standard | $316.203.45% APY · 11 Month CD or IRA · Standard | $790.503.45% APY · 11 Month CD or IRA · Standard | $1,581.003.45% APY · 11 Month CD or IRA · Standard |
| 12 months | $125.002.50% APY · 12 Month CD or IRA · Standard | $250.002.50% APY · 12 Month CD or IRA · Standard | $625.002.50% APY · 12 Month CD or IRA · Standard | $1,250.002.50% APY · 12 Month CD or IRA · Standard |
| 18 months | $150.892.00% APY · 18 Month CD or IRA · Standard | $301.772.00% APY · 18 Month CD or IRA · Standard | $754.442.00% APY · 18 Month CD or IRA · Standard | $1,508.872.00% APY · 18 Month CD or IRA · Standard |
| 24 months | $202.002.00% APY · 24 Month CD or IRA · Standard | $404.002.00% APY · 24 Month CD or IRA · Standard | $1,010.002.00% APY · 24 Month CD or IRA · Standard | $2,020.002.00% APY · 24 Month CD or IRA · Standard |
| 30 months | $416.443.25% APY · 30 Month CD or IRA · Standard | $832.893.25% APY · 30 Month CD or IRA · Standard | $2,082.223.25% APY · 30 Month CD or IRA · Standard | $4,164.433.25% APY · 30 Month CD or IRA · Standard |
| 36 months | $306.042.00% APY · 36 Month CD or IRA · Standard | $612.082.00% APY · 36 Month CD or IRA · Standard | $1,530.202.00% APY · 36 Month CD or IRA · Standard | $3,060.402.00% APY · 36 Month CD or IRA · Standard |
| 48 months | $412.162.00% APY · 48 Month CD or IRA · Standard | $824.322.00% APY · 48 Month CD or IRA · Standard | $2,060.802.00% APY · 48 Month CD or IRA · Standard | $4,121.612.00% APY · 48 Month CD or IRA · Standard |
| 60 months | $520.402.00% APY · 60 Month CD or IRA · Standard | $1,040.812.00% APY · 60 Month CD or IRA · Standard | $2,602.022.00% APY · 60 Month CD or IRA · Standard | $5,204.042.00% APY · 60 Month CD or IRA · Standard |
How South Shore Bank (Massachusetts) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 152-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 12 of 30 tracked institutions with fresh 152-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 |
|---|---|---|---|---|---|
| South Shore Bank (Massachusetts) (this institution)5 Month CD or IRA · Standard | 5 months | $1,000 | Coverage: MA | 3.80% | October 22, 2026 |
| Citizens Bank5-Month CD · Relationship | 5 months | $25,000 | Boston, MA · ZIP 02108 | 4.25% | October 22, 2026 |
| First Citizens Bank5-Month CD · Promotional | 5 months | $5,000 | Coverage: AZ, CA, CO, FL, GA, HI, KS, MA, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV | 4.00% | October 22, 2026 |
| Pentucket Bank5 Month Certificate of Deposit Special · Promotional | 5 months | $500 | Coverage: MA, NH | 4.00% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 5 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 5 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.39% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking South Shore Bank (Massachusetts) on October 22, 2026.
About South Shore Bank (Massachusetts)
- Legal name
- South Shore Bank
- Regulator ID
- FDIC 90303
- Headquarters
- South Weymouth, MA
- Available in
- MA
- Total assets
- $2.5 billion
- Also known as
- Website
- www.southshorebank.com
Source: rates read from https://www.southshorebank.com/rates/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at South Shore Bank (Massachusetts)?
Among the rates we track, 3.80% APY on a 5-month CD, as of October 22, 2026.
What is the minimum deposit for a South Shore Bank (Massachusetts) CD?
The lowest minimum we found is $1,000.
How does South Shore Bank (Massachusetts)'s best CD rate compare with Treasury yields?
3.80% APY is −0.59% versus the 5-month Treasury yield of 4.39% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.80% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.39% 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 South Shore Bank (Massachusetts) CDs insured?
South Shore Bank (Massachusetts) is an FDIC-insured bank (FDIC 90303). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check South Shore Bank (Massachusetts)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from South Shore Bank (Massachusetts)'s website and may change at any time. Confirm terms, minimums and eligibility with South Shore Bank (Massachusetts) before opening an account. This page is not financial advice.