CD’s & IRA’s

A certificate of deposit (CD) is a great alternative to a traditional savings account and earns higher yields while providing protection against fluctuating interest rates. An individual retirement account (IRA) is one of the easiest and most tax-friendly ways to save regularly and successfully for retirement.

Certificates of Deposit

Few things are 100% certain in this world. But when you open a fixed rate CD, you get a secure investment with a guaranteed return, so there’s no guesswork involved.

North Shore Trust and Savings offers a wide variety of certificates of deposit (CDs). The options are designed to suit your personal savings needs. CDs generally provide an investor the opportunity to earn a higher rate of return than other bank accounts.

  • Competitive interest rates
  • Variety of terms to fit your goals
  • Automatic renewal with flexible grace period
  • Penalty may be applied for early withdrawal
  • Combined statement available with your other deposit accounts

Simply choose the term than fits your needs, lock into one of our best rate cd’s, and let us do the rest. At the end of your term, you’ll have your balance plus a solid return on your money. It’s the safest investment option around!

Want interest income? Balances of $10,000 or more have the option of automatic interest payments on a monthly or quarterly basis. These interest payments may be received by check or credited to an account of your choice. Contact a Personal Banker to discuss your options or Contact Us.

Check Rates Request an Account Anniversary CD Special

Individual Retirement Accounts (IRAs)

Good news: you don’t have to work forever. But if you’re not setting aside funds now, retirement might not be such an exciting thought. Start saving so that when it’s time to enjoy your golden years, you can afford to do just that!

We offer several options to meet your IRA investment needs. With a low minimum opening deposit and the freedom to make additional contributions as you’re able, our IRA is an excellent way to get your retirement savings started. In addition, you can choose to invest in a term that best suits your needs.

At North Shore Trust and Savings, we offer Traditional,Roth IRA, Self-Directed and Simple IRA’s options so you can take full advantage of the tax breaks that benefit you most. Let us help you plan your retirement today so you can be sure to have a brighter tomorrow!

Check Rates Request an Account


  • Set aside funds for retirement
  • Competitive rates
  • Traditional, Roth IRA, Self-Directed and Simple IRA options*
  • Fixed and variable rate accounts
  • No setup or maintenance fees
  • Penalty for early withdrawal
  • $100 deposit to open any IRA plan
  • FDIC Insured

Contact your tax advisor to see which is right for you.