North Shore Trust and Savings CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 2.47%, 6-month CD rates at 3.75% and 3-month CD rates at 4.40%. Current savings rates are at 0.03% and money market rates are at 0.15%. Mortgage rates today on 30-year fixed loans are around 6.90%. Credit Card rates are at 8.50%. Personal Loan rates are at 12.65%. All these rates, and more, can be found in our database of rates. North Shore Trust and Savings's 60-Month CD rates are at 1.56%, 48-Month CD rates are at 1.46%, 36-Month CD rates are at 1.36%, 24-Month CD rates are at 1.26%, 18-Month CD rates are at 1.16%. North Shore Trust and Savings's savings rates are at 0.15%. North Shore Trust and Savings's money market rates are at 0.50%.

North Shore Trust and Savings

To see how these rates compare to North Shore Trust and Savings CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from North Shore Trust and Savings, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with North Shore Trust and Savings CD rates. You can also compare North Shore Trust and Savings savings rates, MMA rates and mortgage rates using our other rate lists.

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.

North Shore Trust and Savings Texas Ratio

North Shore Trust and Savings's Texas Ratio is at 0.38%, which is considered excellent. The Texas Ratio for North Shore Trust and Savings is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, North Shore Trust and Savings is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
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
0.50%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
North Shore Trust and Savings
700 S Lewis Ave
Waukegan, IL 60085
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

North Shore Trust and Savings CD Rates and Interest Rates

Bank
Product
APY
Min Dep
North Shore Trust and Savings
North Shore Trust and Savings
60-Month CD
1.56%
$1,000
North Shore Trust and Savings
North Shore Trust and Savings
48-Month CD
1.46%
$1,000
North Shore Trust and Savings
North Shore Trust and Savings
36-Month CD
1.36%
$1,000
North Shore Trust and Savings
North Shore Trust and Savings
24-Month CD
1.26%
$1,000
North Shore Trust and Savings
North Shore Trust and Savings
18-Month CD
1.16%
$1,000
North Shore Trust and Savings
North Shore Trust and Savings
12-Month CD
1.00%
$1,000
North Shore Trust and Savings
North Shore Trust and Savings
Premium Money Market
0.50%
$75,000
North Shore Trust and Savings
North Shore Trust and Savings
Passbook Savings
0.15%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare North Shore Trust and Savings Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
The Bank of Tescott
The Bank of Tescott
Kasasa Checking
5.00%
$50
My eBanc, a division of Bradesco Bank
My eBanc, a division of Bradesco Bank
6-Month CD (Jumbo)
4.40%
$50,000
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
6-Month CD
4.30%
$2,500
Self-Help Credit Union
Self-Help Credit Union
12-Month CD
4.08%
$500
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
60-Month CD
3.98%
$100
Farmers Bank Buhl, ID
Farmers Bank Buhl, ID
6-Month CD
3.95%
$500
HomePride Bank
HomePride Bank
12-Month CD
3.91%
$500
Bank of Franklin County
Bank of Franklin County
18-Month CD
3.90%
$500
Unison Bank
Unison Bank
12-Month CD
3.75%
$2,500
Bank of Vici
Bank of Vici
3-Month CD
3.61%
$1,000
Phelps County Bank
Phelps County Bank
18-Month CD
3.60%
$1,000
Community Bank of Pleasant Hill
Community Bank of Pleasant Hill
24-Month CD (IntraFi®)
3.56%
$10,000
Bank of Rantoul
Bank of Rantoul
48-Month CD
3.34%
$500
The Antwerp Exchange Bank Company
The Antwerp Exchange Bank Company
24-Month CD
3.30%
$500
First Financial of Maryland FCU
First Financial of Maryland FCU
18-Month CD
3.30%
$500
Franklin SB Franklin, NH
Franklin SB Franklin, NH
6-Month CD
3.25%
$2,000
JVB Juniata Valley Bank
JVB Juniata Valley Bank
6-Month CD
3.15%
$1,000
FSB of Randolph County
FSB of Randolph County
24-Month CD
3.00%
$500
Bank of Rantoul
Bank of Rantoul
18-Month CD
2.88%
$500
Luminate Bank
Luminate Bank
Money Market
2.78%
$1,000,000
Circuit Federal Credit Union
Circuit Federal Credit Union
48-Month CD
2.78%
$1,000
Investment Savings Bank
Investment Savings Bank
30-Month CD
2.77%
$500
Bank of Wolcott
Bank of Wolcott
60-Month CD
2.75%
$1,000
Unison Bank
Unison Bank
48-Month CD
2.50%
$2,500
Grand Timber Bank
Grand Timber Bank
30-Month CD
2.37%
$500
1st Mississippi Federal Credit Union
1st Mississippi Federal Credit Union
48-Month CD
2.27%
$500
Chain Bridge Bank
Chain Bridge Bank
48-Month CD
2.08%
$500
New Millennium Bank
New Millennium Bank
60-Month CD
2.00%
$500
OAB One American Bank
OAB One American Bank
30-Month CD
1.96%
$500
Town & Country Bank Salem, MO
Town & Country Bank Salem, MO
Premium Gold Money Market
1.42%
$100,000
First Northern Bank and Trust Company
First Northern Bank and Trust Company
36-Month CD
1.10%
$1,000
Citizens Bank Mooresville, IN
Citizens Bank Mooresville, IN
18-Month CD
1.00%
$500
Home Bank SB
Home Bank SB
24-Month CD
0.80%
$500
Boone Bank & Trust Co.
Boone Bank & Trust Co.
36-Month CD
0.80%
$1,000
Ion Bank
Ion Bank
60-Month CD
0.70%
$500
The Victory Bank
The Victory Bank
36-Month CD
0.65%
$500
First State Bank and Trust
First State Bank and Trust
3-Month CD
0.55%
$2,500
Home Loan SB
Home Loan SB
36-Month CD
0.55%
$500
Napoleon State Bank
Napoleon State Bank
48-Month CD
0.55%
$5,000
Kitsap Bank
Kitsap Bank
3-Month CD
0.50%
$500
Western Nebraska Bank
Western Nebraska Bank
Passbook Savings
0.50%
$25
Somerset Trust Company
Somerset Trust Company
36-Month CD
0.45%
$500
First Federal S&L of Lakewood
First Federal S&L of Lakewood
12-Month CD
0.30%
$500
Unity Bank
Unity Bank
36-Month CD
0.25%
$1,000
FNB of Absecon
FNB of Absecon
36-Month CD
0.20%
$0
Savings Bank Wakefield, MA
Savings Bank Wakefield, MA
12-Month CD
0.20%
$1,000
Texas National Bank of Jacksonville
Texas National Bank of Jacksonville
Fixed Rate Money Market
0.15%
$2,500
Beardstown Savings
Beardstown Savings
Statement Savings
0.15%
$1
Greeneville Federal Bank
Greeneville Federal Bank
Golden Money Market
0.07%
$1,000
Applied Bank
Applied Bank
Money Market
0.02%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

North Shore Trust and Savings Information

North Shore Trust and Savings
700 S Lewis Ave
Waukegan, IL 60085
Lake
Established Date: 01/01/1921
FDIC Certificate #: 27683
Date of FDIC Deposit Insurance: 08/09/1989
Bank Holding Company: NSTS BCORP INC
How Many Domestic U.S. Offices? 3
How Many Branches are There? 3
Is North Shore Trust and Savings FDIC Insured? Yes
What is North Shore Trust and Savings's Cert number? 27683
What is the maximum amount for insured deposits? $250,000 per holder, per account

North Shore Trust and Savings Financials

Total Assets:
$266,095,000
Total Deposits:
$199,400,000
Equity Capital:
$54,723,000
Domestic Deposits:
$199,400,000
Net Income:
$26,000
Return on Assets:
0.1425%
Quarterly Return on Assets:
0.0400%
Pretax Return on Assets:
0.0398%
Pretax Quarterly Return on Assets:
0.0400%
Return on Equity:
0.6700%
Quarterly Return on Equity:
0.1900%
Leverage Tier 1 (Core Capital) Ratio:
25.8049%
Total Interest Income (YTD):
3.2054%
 
 
Headquarters:
Waukegan
FDIC Field Office:
Chicago
Regulator:
OCC
County:
Lake
# of Offices:
3
Metropolitan Statistical Area (MSA):
Chicago-Naperville-Elgin, IL-IN-WI
Consolidated Metropolitan Statistical Area (CMSA):
Chicago-Gary-Kenosha, IL-IN-WI
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Navy Federal Credit Union is offering several different types of savings accounts including a Money Market Savings Account, Share Savings Account, Jumbo Share Savings Account, Custodial Savings Account, Custom Club Savings Account and an Education Savings Account (ESA).
CNB Bank Direct, a division of Citizens National Bank of Ohio, is offering a promotional high yield savings account that currently has a 4.00% APY. The online savings account is opened online at //cnbbankdirect.com/. You will need to link a checking account or savings account to transfer funds in and out of the account. The linked account does not have to be a CNB or CNB direct account, you can link any bank account to the CNB online savings account.

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Alternative Bank and Credit Union Offers to Explore

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