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Old Second Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 11th largest bank in the state of Illinois. It is also the 252nd largest bank in the nation. It was established in 1887 and as of March of 2025, it had grown to 891 employees at 56 locations. Old Second Bank has an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3603
Year Established1887
Employees891
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.54%
Return on Equity - YTD12.74%
Annual Interest Income$73.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$5.73B$5.61B
LoansQ1 2025vs Q1 2024$3.9B$3.93B
DepositsQ1 2025vs Q1 2024$4.93B$4.64B
Equity CapitalQ1 2025vs Q1 2024$699.8MM$641.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$41.6MM$44.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$34.8MM$65.1MM
Real Estate OwnedQ1 2025vs Q1 2024$2.9MM$5.1MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$50k*-Premier Plus Checking
OTHER TIERS: 0.02% → $5k - $50k
0.02%$500-Prime Time Club Checking

Old Second Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$1k$1m6 Month CD Special - New Money
3.50%$1k$1m8 Month CD Special - New Money
3.25%$1k$1m11 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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