Old Second Bank

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.oldsecond.com

877-866-0202

37 S. River Street
Aurora, IL 60506

Old Second Bank is headquartered in AURORA and is the 12^th largest bank in the state of Illinois. It is also the 260^th largest bank in the nation. It was established in 1887 and as of December of 2024, it had grown to 877 employees at 56 locations. Old Second Bank has an A+ health rating.

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Health

A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3603
Year Established	1887
Employees	877
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.63%
Return on Equity - YTD	14%
Annual Interest Income	$297.8MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$5.65B$5.72B
Loans	Q4 2024vs Q4 2023	$3.94B$4B
Deposits	Q4 2024vs Q4 2023	$4.85B$4.61B
Equity Capital	Q4 2024vs Q4 2023	$671.1MM$619.9MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$43.6MM$44.3MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$30.3MM$68.8MM
Real Estate Owned	Q4 2024vs Q4 2023	$21.6MM$5.1MM

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Old Second Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$50k^*	-	O2 Money Builder Savings
OTHER TIERS: 0.02% → $1k - $50k
0.02%	$0	-	Regular Savings
0.02%	$0	-	Junior Saver

Old Second Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	-	O2 Money Manager Money Market
OTHER TIERS: 0.10% → $5k - $25k \| 0.20% → $25k - $100k

Old Second Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$50k^*	-	Premier Plus Checking
OTHER TIERS: 0.02% → $5k - $50k
0.02%	$500	-	Prime Time Club Checking

Old Second Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$1k	$1m	6 Month CD Special - New Money
3.50%	$1k	$1m	8 Month CD Special - New Money
3.25%	$1k	$1m	11 Month CD Special - New Money
0.25%	$1k	-	60 Month CD
0.20%	$1k	-	36-59 Month CD
0.15%	$1k	-	30-35 Month CD
0.10%	$1k	-	12-29 Month CD
0.05%	$1k	-	3-11 Month CD

Locations

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Chicago Area

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