Bank · FDIC insured
South Shore Bank CD Rates
South Shore Bank’s best CD rate is 3.80% APY on a 5-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How South Shore Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where South Shore Bank has the most branches. $10,000, best rate first.
This bank’s best
South Shore Bank
3.80%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $157
Certificate of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
South Shore Bank CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo2.00%
- QualifiedQualified3.80%
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 South Shore Bank 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.
Certificate of Deposit
Up to 3.80%APY · 13 terms
Early withdrawal penalty will be imposed. Choice of standard terms from 3 months to 5 years. Any interest earned can be automatically deposited into a South Shore Bank Checking Account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.53% | $63 |
| 5 monthsAt maturity, rolls into a standard 6-month CD | 3.80% | $157 |
| 6 months | 2.50% | $124 |
| 7 monthsAt maturity, rolls into a standard 6-month CD | 3.65% | $211 |
| 9 months | 2.50% | $187 |
| 11 monthsAt maturity, rolls into a standard 12-month CD | 3.45% | $316 |
| 12 months | 2.50% | $250 |
| 18 months | 2.00% | $301 |
| 24 months | 2.00% | $404 |
| 30 monthsAt maturity, rolls into a standard 24-month CD | 3.25% | $832 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Sources (1)
- southshorebank.com/Personal/Certificates-of-Deposit · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.80%APY · 13 terms
Available as Traditional IRA or Roth IRA. Early withdrawal penalty will be imposed for certificate accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.53% | $63 |
| 5 monthsAt maturity, rolls into a standard 6-month CD | 3.80% | $157 |
| 6 months | 2.50% | $124 |
| 7 monthsAt maturity, rolls into a standard 6-month CD | 3.65% | $211 |
| 9 months | 2.50% | $187 |
| 11 monthsAt maturity, rolls into a standard 12-month CD | 3.45% | $316 |
| 12 months | 2.50% | $250 |
| 18 months | 2.00% | $301 |
| 24 months | 2.00% | $404 |
| 30 monthsAt maturity, rolls into a standard 24-month CD | 3.25% | $832 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Sources (2)
- southshorebank.com/personal/in…dual-retirement-accounts
- southshorebank.com/Personal/Certificates-of-Deposit
All captured Oct 5, 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.