Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective 7/1/2025. Rates may change after accounts are opened. Fees may reduce earnings. Please call us at (888) 505-BANK (2265) for our most current rates.

Savings Accounts

Account Minimum Deposit to Open Interest Rate APY*
Statement Savings $100 0.35% 0.35%
Kids Statement Savings $10 0.35% 0.35%
Business Savings $500 0.35% 0.35%

Cornerstone Money Market Learn More

Minimum Balance to Obtain APY* Minimum Deposit to Open Interest Rate APY*
$2,500 $2,500 0.30% 0.30%
$10,000 $2,500 0.40% 0.40%
$25,000 $2,500 0.50% 0.50%

Business Money Market Learn More

Minimum Balance to Obtain APY* Minimum Deposit to Open Interest Rate APY*
$2,500 $2,500 0.30% 0.30%
$10,000 $2,500 0.40% 0.40%
$25,000 $2,500 0.50% 0.50%
$100,000 $2,500 0.60% 0.60%

Certificates of Deposit (CDs) Learn More

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 Specials1**

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.

Penalty for early withdrawal

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