APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.southshorebank.com/rates/deposit-rates
Read: 2026-10-22T16:25:02.000Z

Account Type | Minimum Daily Balance to earn APY 1 | Annual Percentage Yield (APY) 1
Rewards Checking *2 (Requirements are met) | $0 - $34,999.99 | 2.250%
$35,000.00+ | 2.251% - 1.130%
Rewards Checking *2 (Requirements NOT met) | $0 | 0.010%
1 APY and rate subject to change without notice. Rate may change after the account is opened. Fees could reduce earnings on account.
2 2.25% APY as of 05/13/26 is paid on balances up to, and including, $34,999.99 provided all other account requirements are met for the current qualifying cycle. For balances $35,000.00 and above, the interest rate and APY of 0.01% will be paid on the portion of your daily balance that is $35,000.00 or greater. If requirements are not met, the interest rate of 0.01% with an APY of 0.01% will be paid on balances. The APY will range downward from 2.25% depending on the balance in the account. For example, the APY, for a balance of $70,000.00 would be 1.13%. Rates may change at any time without prior notice. Click here to learn more about Rewards Checking Qualification and Cycle Dates. *We are not accepting new accounts of this type.
Account Type 1 | Minimum Daily Balance to earn APY 2 | Annual Percentage Yield (APY) 2
Free Savings | $0 | 0.010%
High-Yield Savings | $0 - | | $10,000 - $2,500,000 | 3.400% *
$2,500,000+ | 0.010%
Rewards Savings (When requirements are met **3 ) | $0 | 2.750%
Rewards Savings (When requirements are not met **3 ) | $0 | 0.010%
High-Yield Money Market | $0 - | | $2,500 - | | $25,000 - | | $50,000 - | | $100,000 - | | $1,000,000+ | 2.000%
IRA Savings | $0 | 0.050%
2 Annual Percentage Yield (APY) and rate subject to change without notice. Rate may change after the account is opened. Fees could reduce earnings on account. Please contact our Client Information Center for information about fees and terms for these accounts.
3 Must already have or open a Rewards Checking Account. 2.750% Annual Percentage Yield (APY) as of 05/13/2026 is paid on balances provided all account requirements of your corresponding Rewards Checking Account are met for the prior month. Click here to learn more about Rewards Checking Qualification and Cycle Dates. *We are not accepting new accounts of this type.
*Must be opened with a minimum of $10,000 in new funds not already on deposit with South Shore Bank. 3.40% APY as of 12/18/2025 is the preferred rate on your account. This is based on a minimum balance of $10,000 up to $2,500,000. For balances under $10,000 or over $2,500,000 the interest rate of 0.01% with an APY of 0.01% will be paid on the entire balance. Maximum deposit amount of $2,500,000 per household.
Type | Minimum Daily Balance to earn APY 1 | Annual Percentage Yield (APY) 1
Business Savings | $2,000.00 | 0.010%
Business Money Market | $1,000.00 | 0.200%
$5,000.00 | 2.000%
$50,000.00 | 2.000%
$100,000.00 | 2.000%
$250,000.00 | 2.000%
1 Annual Percentage Yield (APY) and rate subject to change without notice. Rate may change after the account is opened. Fees could reduce earnings on account. Please consult a Personal Banking Manager for information about fees and terms for these accounts.
Account Type | Minimum Daily Balance to earn APY 1 | Annual Percentage Yield (APY) 1 | apply now button
3 Month CD or IRA | $1,000.00 | 2.530%
5 Month CD or IRA 2 | $1,000.00 | 3.800% | Open Online
6 Month CD or IRA | $1,000.00 | 2.500% | Open Online
7 Month CD or IRA 3 | $1,000.00 | 3.650% | Open Online
9 Month CD or IRA | $1,000.00 | 2.500% | Open Online
11 Month CD or IRA 4 | $1,000.00 | 3.450% | Open Online
12 Month CD or IRA | $1,000.00 | 2.500% | Open Online
18 Month CD or IRA | $1,000.00 | 2.000%
24 Month CD or IRA | $1,000.00 | 2.000%
30 Month CD or IRA 5 | $1,000.00 | 3.250%
36 Month CD or IRA | $1,000.00 | 2.000%
48 Month CD or IRA | $1,000.00 | 2.000%
60 Month CD or IRA | $1,000.00 | 2.000%
Account Type | Minimum Daily Balance to earn APY 1 | Annual Percentage Yield (APY) 1
3 Month CD | $1,000.00 | 2.530%
5 Month CD 2 | $1,000.00 | 3.800%
6 Month CD | $1,000.00 | 2.500%
7 Month CD 3 | $1,000.00 | 3.650%
9 Month CD | $1,000.00 | 2.500%
11 Month CD 4 | $1,000.00 | 3.450%
12 Month CD | $1,000.00 | 2.500%
18 Month CD | $1,000.00 | 2.000%
24 Month CD | $1,000.00 | 2.000%
30 Month CD 5 | $1,000.00 | 3.250%
36 Month CD | $1,000.00 | 2.000%
48 Month CD | $1,000.00 | 2.000%
60 Month CD | $1,000.00 | 2.000%