Locations
Individual Retirement Accounts
You’re invested in your future. We are too. IRAs let you invest and grow funds for the retirement you deserve, and as a bonus many offer tax advantages. At South Shore Bank, we offer both traditional IRA and Roth IRA and IRA Savings accounts and are here to help you choose which account works best for the future you want.
Rates
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Effective as of 11/12/2026
| Account Type | Minimum Daily Balance to earn APY1 | Annual Percentage Yield (APY) 1 | apply now button |
|---|---|---|---|
| 3 Month CD or IRA | $1,000.00 | 2.530% | |
| 5 Month CD or IRA2 | $1,000.00 | 3.800% | Open Online |
| 6 Month CD or IRA | $1,000.00 | 2.500% | Open Online |
| 7 Month CD or IRA3 | $1,000.00 | 3.650% | Open Online |
| 9 Month CD or IRA | $1,000.00 | 2.500% | Open Online |
| 11 Month CD or IRA4 | $1,000.00 | 3.450% | Open Online |
| 12 Month CD or IRA | $1,000.00 | 2.500% | Open Online |
| 18 Month CD or IRA | $1,000.00 | 2.000% | |
| 24 Month CD or IRA | $1,000.00 | 2.000% | |
| 30 Month CD or IRA5 | $1,000.00 | 3.250% | |
| 36 Month CD or IRA | $1,000.00 | 2.000% | |
| 48 Month CD or IRA | $1,000.00 | 2.000% | |
| 60 Month CD or IRA | $1,000.00 | 2.000% |