Bank · FDIC insured
North Shore Bank of Commerce CD Rates
Top CarrotNorth Shore Bank of Commerce’s best CD rate is 4.28% APY on a 25-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How North Shore Bank of Commerce’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where North Shore Bank of Commerce has the most branches. $10,000, best rate first.
This bank’s best
North Shore Bank of Commerce
4.28%APY
- Term
- 25 months
- Minimum
- $2,500
- Earns on $10,000
- $912
CD Special
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
North Shore Bank of Commerce CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.88%
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo4.28%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.28%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where North Shore Bank of Commerce ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Special
Up to 4.28%APY · 6 terms
Time deposit account interest compounds quarterly. APY assumes interest is deposited into the Certificate of Deposit quarterly and not withdrawn. Early withdrawal penalty applies. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 3.79% | $156 |
| 7 months | 3.88% | $225 |
| 9 months | 3.95% | $295 |
| 11 months | 4.01% | $367 |
| 18 months | 4.20% | $637 |
| 25 months | 4.28% | $912 |
Sources (1)
- northshore.bank/rates · captured Oct 5, 2026
Certificates of Deposit
Up to 2.00%APY · 8 terms
Time deposit account interest accrues daily and compounds quarterly. Minimum deposits starting at $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm is 91 Days | 2.00% | — | 2.00% | $50 |
| 6 months | 1.60% | 1.60% | 1.60%1.60% from $2.5k | $80 |
| 12 months | 1.50% | 1.50% | 1.50%1.50% from $2.5k | $150 |
| 24 months | 2.00% | 2.00% | 2.00%2.00% from $2.5k | $404 |
| 30 months | 1.75% | 1.75% | 1.75%1.75% from $2.5k | $443 |
| 36 months | 1.90% | 1.90% | 1.90%1.90% from $2.5k | $581 |
| 48 months | 1.50% | 1.50% | 1.50%1.50% from $2.5k | $614 |
| 60 months | 2.00% | 2.00% | 2.00%2.00% from $2.5k | $1,041 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.