Old Second Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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 11^th largest bank in the state of Illinois. It is also the 252^nd 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 Established	1887
Employees	891
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.54%
Return on Equity - YTD	12.74%
Annual Interest Income	$73.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$5.73B$5.61B
Loans	Q1 2025vs Q1 2024	$3.9B$3.93B
Deposits	Q1 2025vs Q1 2024	$4.93B$4.64B
Equity Capital	Q1 2025vs Q1 2024	$699.8MM$641.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$41.6MM$44.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$34.8MM$65.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$2.9MM$5.1MM

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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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Money Market
Checking
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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

Availability

Chicago Area

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