Bank · FDIC insured
North Shore Trust & Savings CD Rates
North Shore Trust & Savings’s best CD rate is 4.10% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How North Shore Trust & Savings’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where North Shore Trust & Savings has the most branches. $10,000, best rate first.
This bank’s best
North Shore Trust & Savings
4.10%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $445
CD Specials
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
North Shore Trust & Savings CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo1.56%
- QualifiedQualified4.10%
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 Trust & Savings 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 Specials
Up to 4.10%APY · 2 terms
Not valid for IRAs. Interest compounded quarterly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNot available for IRAs. Interest compounded quarterly. Early withdrawal penalty applies | 4.10% | $445 |
| 30 monthsNot available for IRAs. Interest compounded quarterly. Early withdrawal penalty applies | 2.78% | $710 |
Sources (3)
- northshoretrust.com
- northshoretrust.com/cd-special
- northshoretrust.com/open-an-ac…nt/current-deposit-rates
All captured Sep 17, 2026
Certificates of Deposit
Up to 1.56%APY · 8 terms
Penalty will or may be imposed for early withdrawal. Interest is compounded quarterly. Balances of $10,000 or more have the option to receive interest payments distributed to another account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies | 0.60% | $15 |
| 6 monthsEarly withdrawal penalty applies | 0.75% | $37 |
| 12 monthsEarly withdrawal penalty applies | 1.00% | $100 |
| 18 monthsEarly withdrawal penalty applies | 1.16% | $175 |
| 24 monthsEarly withdrawal penalty applies | 1.26% | $254 |
| 36 monthsEarly withdrawal penalty applies | 1.36% | $414 |
| 48 monthsEarly withdrawal penalty applies | 1.46% | $597 |
| 60 monthsEarly withdrawal penalty applies | 1.56% | $805 |
Sources (2)
- northshoretrust.com/open-an-ac…nt/current-deposit-rates
- northshoretrust.com/open-an-account/saving-accounts-cds
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 1.56%APY · 8 terms
Standard Certificate of Deposit terms and rate schedule apply to IRAs, excluding CD Specials which are not valid for IRAs. Early withdrawal penalty applies. Interest compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies | 0.60% | $15 |
| 6 monthsEarly withdrawal penalty applies | 0.75% | $37 |
| 12 monthsEarly withdrawal penalty applies | 1.00% | $100 |
| 18 monthsEarly withdrawal penalty applies | 1.16% | $175 |
| 24 monthsEarly withdrawal penalty applies | 1.26% | $254 |
| 36 monthsEarly withdrawal penalty applies | 1.36% | $414 |
| 48 monthsEarly withdrawal penalty applies | 1.46% | $597 |
| 60 monthsEarly withdrawal penalty applies | 1.56% | $805 |
Sources (3)
- northshoretrust.com/open-an-ac…nt/current-deposit-rates
- northshoretrust.com
- northshoretrust.com/open-an-account/saving-accounts-cds
All captured Sep 17, 2026
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.