What are the current interest rates at North Shore Trust and Savings?

Current rates for North Shore Trust and Savings include: 12-Month CD: 1.00%, 18-Month CD: 1.16%, 24-Month CD: 1.26%, 36-Month CD: 1.36%, 48-Month CD: 1.46%, 60-Month CD: 1.56%, Savings: 0.15%, MMA: 0.10%

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North Shore Trust and Savings

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North Shore Trust and Savings Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Shore Trust and Savings provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

North Shore Trust and Savings's 13-Month Certificate rates are at 4.10%, 13-Month 13-Month CD Special rates are at 4.10%, 30-Month Certificate rates are at 2.78%, 30-Month 30-Month CD Special rates are at 2.78%, 5 Year Certificate rates are at 1.56%. North Shore Trust and Savings's savings rates are at 0.15%. North Shore Trust and Savings's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of North Shore Trust and Savings with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.87%. Rates last updated and verified on 09/14/2026.

North Shore Trust and Savings money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at North Shore Trust and Savings? Share your experience about North Shore Trust and Savings by leaving a review below, or read customer reviews before you decide to use North Shore Trust and Savings.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.87%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

North Shore Trust and Savings

700 S Lewis Ave
Waukegan, IL 60085

https://www.northshoretrust.com

North Shore Trust and Savings CD Rates

Product	Rate	APY	Term
13 Month Certificate	4.04%	4.10%	13 Month
Min Deposit $1,000 Min Balance $1,000 Details CD Specials Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
13-Month CD Special	-	4.10%	13 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
30 Month Certificate	2.75%	2.78%	30 Month
Min Deposit $1,000 Min Balance $1,000 Details CD Specials Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
30-Month CD Special	-	2.78%	30 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5 Year Certificate	1.55%	1.56%	5 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
4 Year Certificate	1.45%	1.46%	4 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3 Year Certificate	1.35%	1.36%	3 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
2 year Certificate	1.25%	1.26%	2 year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
18 Month Certificate	1.15%	1.16%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
12 Month Certificate	1.00%	1.00%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
6 Month Certificate	0.75%	0.75%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3 Month Certificate	0.60%	0.60%	3 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

North Shore Trust and Savings Savings Rates

Product	Rate	APY
Business Savings	0.15%	0.15%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Passbook Savings	0.15%	0.15%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Statement Savings	0.15%	0.15%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

North Shore Trust and Savings Money Market Rates

Product	Rate	APY
Premium Money Market Account	1.00%	1.01%
Min Deposit $150,000 Min Balance $150,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Premium Money Market Account	0.75%	0.75%
Min Deposit $100,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Premium Money Market Account	0.50%	0.50%
Min Deposit $75,000 Min Balance $75,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Money Market account	0.25%	0.25%
Min Deposit $25,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Money Market account	0.15%	0.15%
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Money Market account	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

North Shore Trust and Savings Checking Rates

Product	Rate	APY	View More
Premium Personal Checking	0.05%	0.05%
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

North Shore Trust and Savings’s Texas Ratio rose from 0.38% in Q3 2023 to 3.87% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$270M	3.87%	5.0	A+
March 31, 2026	$270M	0.46%	5.0	A+
December 31, 2025	$267M	0.47%	5.0	A+
September 30, 2025	$270M	0.48%	5.0	A+
June 30, 2025	$276M	0.49%	5.0	A+
March 31, 2025	$283M	0.46%	5.0	A+
December 31, 2024	$279M	0.00%	5.0	A+
September 30, 2024	$268M	0.46%	5.0	A+
June 30, 2024	$266M	0.00%	5.0	A+
March 31, 2024	$266M	0.43%	5.0	A+
December 31, 2023	$257M	0.36%	5.0	A+
September 30, 2023	$252M	0.38%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for North Shore Trust and Savings is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather North Shore Trust and Savings rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with North Shore Trust and Savings's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name North Shore Trust and Savings

Bank Holding Company NSTS BCORP INC

Address 700 S Lewis Ave, Waukegan, IL 60085 · Lake

Website https://www.northshoretrust.com

FDIC Certificate # 27683

Established 19210101

FDIC Insurance Date 19890809

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.87%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9029%

Return on Equity (ROE) 3.9700%

Non-Performing Loans (NPL) 0.89%

Total Assets $270,259,000

Total Deposits $201,280,000

Equity Capital $62,327,000

Net Income $1,215,000

Headquarters Waukegan

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

North Shore Trust and Savings earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About North Shore Trust and Savings

How many branches does North Shore Trust and Savings operate?

North Shore Trust and Savings currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, North Shore Trust and Savings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Shore Trust and Savings provides members with tools to manage their accounts and build a solid financial history.

Does North Shore Trust and Savings offer online and mobile banking?

Most modern institutions like North Shore Trust and Savings provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.northshoretrust.com.