Certificates of Deposit (CDs)

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Certificates of Deposit¹

Minimum Balance to Earn APY*	Term	Interest Rate	APY*
$1,000	3 - 11 months	0.05%	0.05%
$1,000	12 - 29 months	0.10%	0.10%
$1,000	30 - 35 months	0.15%	0.15%
$1,000	36 - 59 months	0.20%	0.20%
$1,000	60 months	0.25%	0.25%

CD Specials^1**

Minimum Balance to Earn APY*	Term	Interest Rate	APY*
$1,000	6 months	3.70%	3.75%
$1,000	8 months	3.45%	3.50%
$1,000	11 months	3.21%	3.25%

Call for IRA rates.
*APY - Annual percentage yield.
'A penalty may be imposed for early withdrawal.
**Must be opened with new money, not already on deposit with Old Second National Bank. Minimum balance to open and obtain APY is $1,000. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 6 month or 8 month term to receive the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. CD will automatically renew for a 6 month or 8 month fixed term at the rates and terms then in effect. 6 month and 8 month CDs not available for IRAs. Offer subject to change without notice.

Rates effective as of 7/1/2025.