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Rates
Current Rates
Rates effective as of 7/18/2025
- Certificates of Deposit
- Deposit Rates
- Mortgage Rates
- Auto/RV Loan Rates
- Home Equity Rates
- Personal Loan Rates
| Term | Minimum Investment | Rate | APY |
|---|---|---|---|
CD Special |
|||
| 7 Months | $2,500 | 4.184% | 4.250% |
| 9 Months | $2,500 | 3.941% | 4.000% |
Certificates of Deposit |
|||
| 91 Days | $1,000 | 1.985% | 2.000% |
| 6 Months | $1,000 | 1.590% | 1.600% |
| 6 Months | $2,500 | 1.590% | 1.600% |
| 12 Months | $1,000 | 1.492% | 1.500% |
| 12 Months | $2,500 | 1.492% | 1.500% |
| 24 Months | $1,000 | 1.985% | 2.000% |
| 24 Months | $2,500 | 1.985% | 2.000% |
| 30 Months | $1,000 | 1.739% | 1.750% |
| 30 Months | $2,500 | 1.739% | 1.750% |
| 36 Months | $1,000 | 1.887% | 1.900% |
| 36 Months | $2,500 | 1.887% | 1.900% |
| 48 Months | $1,000 | 1.492% | 1.500% |
| 48 Months | $2,500 | 1.492% | 1.500% |
| 60 Months | $1,000 | 1.985% | 2.000% |
| 60 Months | $2,500 | 1.985% | 2.000% |
- Time deposit account interest compounds quarterly.
-The Annual Percentage Yield (APY) assumes interest is deposited into the Certificate of Deposit quarterly, and not withdrawn. Fees may reduce earnings. A penalty will be charged if you make an early withdrawal of the principle balance.
DEPOSIT RATES
| MINIMUM BALANCE | Rate | APY |
|---|---|---|
BTC Checking** |
||
| $0 | 0.030% | 0.030% |
| $1,000 | 0.050% | 0.050% |
| $5,000 | 0.100% | 0.100% |
| $25,000 | 0.125% | 0.125% |
| $100,000 | 0.200% | 0.200% |
Preferred Investment Max | Money Market** |
||
Minimum Balance |
Rate |
APY |
| $0 | 0.698% | 0.700% |
| $5,000 | 2.668% | 2.700% |
| $100,000 | 2.911% | 2.950% |
| $500,000 | 3.154% | 3.200% |
| $1,000,000 | 3.445% | 3.500% |
Premier Checking** |
||
Minimum Balance |
Rate |
APY |
| $0 | 0.030% | 0.030% |
Premier Sweep** |
||
Minimum Balance |
Rate |
APY |
| $0 | 0.050% | 0.050% |
| $10,000 | 0.100% | 0.100% |
| $50,000 | 0.125% | 0.125% |
| $100,000 | 0.250% | 0.250% |
| $250,000 | 0.300% | 0.300% |
Regular Savings |
||
Minimum Balance |
Rate |
APY |
| $0 | 0.100% | 0.100% |
| $1,000 | 0.120% | 0.120% |
| $5,000 | 0.125% | 0.125% |
| $25,000 | 0.150% | 0.150% |
| $100,000 | 0.200% | 0.200% |
**Variable rate accounts. Rates may change after account opening. Interest is compounded monthly.
-Annual Percentage Yield (APY) is the effective annual interest rate. Fees may reduce earnings. Minimum $100 opening deposit required.
-Both Premier Checking and Premier Sweep are required to open and maintain the Premier relationship account.
MORTGAGE RATES
| Term | Rate | APR1 | PAYMENT3 |
|---|
Mortgage rates are experiencing unprecedented volatility during this time and in order for our customers to receive accurate information, we encourage you to click Mortgage Rate Quote or call our Loan Originators for mortgage rate quotes specific to your goals and situation.
Rates are not guaranteed until you sign a locked interest rate agreement. Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile. Other rates and products are available, including VA loans. Rates quoted are 45-day locks for single family, owner occupied, primary residence only.
Jumbo loans (loan amount greater than $647,200) and loans less than $100,000 may differ in rate.
1 These Rates and Annual Percentage Rates (APR) assume a loan amount of $100,000 with a 20% down payment. A down payment of less than 20% would require private mortgage insurance, which would increase the APR.
2 The FHA Rate and Annual Percentage Rate assume a loan amount of $101,750 (base loan amount of $100,000 plus 1.75% financed upfront mortgage insurance premium) and a 3.5% down payment.
3 Payment equals the monthly principal and interest payment for conventional loans. The FHA payment does not include the monthly mortgage insurance premium. Payment does not include taxes and hazard insurance premium. Total payment obligation will be greater.
AUTO/RV LOAN RATES
Rates as low as 7.25% for 36 Months*
For additional rates and terms, please call 218-722-4784
* Sample monthly payment of $309.92 based on $10,000 borrowed for the term of the loan.
-Annual Percentage Rate (APR) and Interest Rate are the same.
-Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile.
-0.25% discount if loan has Automatic Funds Transfer (AFT) payments from an eligible North Shore Bank account.
HOME EQUITY RATES
| DESCRIPTION | TERMS | APR |
|---|---|---|
| 2nd Mortgage | Up to 80% LTV* | 7.75% |
| 2nd Mortgage | 80-100% LTV* | 8.50% |
| Home Equity Line of Credit | Up to 80% LTV** | 7.50% |
| Home Equity Line of Credit | 80-100% LTV*** | 8.50% |
| Unsecured Home Improvement Loan | Up to $7,500 | 10.50% |
- Annual Percentage Rate (APR) and Interest Rate are the same.
- Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile.
Home Equity Loans can be amortized over a variety of terms. Please call for current terms and conditions.
*Non-owner occupied add 1%
**Home Equity Line of Credit (Up to 80% LTV) has a variable interest rate tied to the Wall Street Journal Prime rate. The current margin is Wall Street Journal Prime + 0%. The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 21.75%. The minimum ANNUAL PERCENTAGE RATE that can apply is 4.00%.
***Home Equity Line of Credit (Up to 100% LTV) has a variable interest rate tied to the Wall Street Journal Prime rate. The current margin is Wall Street Journal Prime + 1%. The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 21.75%. The minimum ANNUAL PERCENTAGE RATE that can apply is 5.00%.
-Wall Street Journal Prime Rate = 7.50% as of 12/19/2024 (Subject to change see http://www.bankrate.com/rates/interest-rates/wall-street-prime-rate.aspx for up-to-date rate information.)
PERSONAL LOAN RATES
| LOAN TYPE | Loan Amount | APR |
|---|---|---|
| Unsecured | $2,500 and over | 12.00% |
| Personal Line of Credit | Up to $4,999 | 15.50% |
| Personal Line of Credit | $5,000 and over | 12.50% |
| Ready Money | 15.90% |
- Annual Percentage Rate (APR) and Interest Rate are the same.
- Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile. Please call for current terms and conditions.
*Personal Lines of Credit rates are variable and tied to the Wall Street Journal Prime Rate. Current WSJ Prime Rate = 7.50% as of 12/19/2024 (Subject to change see http://www.bankrate.com/rates/interest-rates/wall-street-prime-rate.aspx for up-to-date rate information.)