# South Shore Bank (Massachusetts) CD rates

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.

Canonical page: https://apyledger.com/cd-rates/south-shore-bank-massachusetts
Institution: South Shore Bank (FDIC 90303)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:02.000Z (October 22, 2026)
Official source: https://www.southshorebank.com/rates/deposit-rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month CD or IRA | standard | 3 months | $1,000 | 2.53% | Not ZIP-priced | −1.77% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 5 Month CD or IRA | standard | 5 months | $1,000 | 3.80% | Not ZIP-priced | −0.59% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 6 Month CD or IRA | standard | 6 months | $1,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 7 Month CD or IRA | standard | 7 months | $1,000 | 3.65% | Not ZIP-priced | −0.78% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 9 Month CD or IRA | standard | 9 months | $1,000 | 2.50% | Not ZIP-priced | −1.98% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 11 Month CD or IRA | standard | 11 months | $1,000 | 3.45% | Not ZIP-priced | −1.09% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 12 Month CD or IRA | standard | 12 months | $1,000 | 2.50% | Not ZIP-priced | −2.07% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 18 Month CD or IRA | standard | 18 months | $1,000 | 2.00% | Not ZIP-priced | −2.72% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 24 Month CD or IRA | standard | 24 months | $1,000 | 2.00% | Not ZIP-priced | −2.87% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 30 Month CD or IRA | standard | 30 months | $1,000 | 3.25% | Not ZIP-priced | −1.66% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 36 Month CD or IRA | standard | 36 months | $1,000 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 48 Month CD or IRA | standard | 48 months | $1,000 | 2.00% | Not ZIP-priced | −2.98% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |
| 60 Month CD or IRA | standard | 60 months | $1,000 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-22T16:25:02.000Z | [Snapshot 400](https://apyledger.com/snapshots/400) |

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.