CD rates

At Old Second Bank, we offer competitive rates on all our CDs.

MIn Balance To Earn APY

Certificates of Deposit

Customers with checking, savings, or money market accounts are eligible for relationship pricing.

$1,000 3 mo 0.05% 0.05%
Certificates of Deposit $1,000 6 mo 0.05% 0.05%
7-mo CD Special* $1,000 7 mo 1.00% 1.00%
Certificates of Deposit $1,000 12 mo 0.10% 0.10%
Certificates of Deposit $1,000 18 mo 0.30% 0.30%
Certificates of Deposit $1,000 24 mo 0.40% 0.40%
Certificates of Deposit $1,000 30 mo 0.45% 0.45%
Certificates of Deposit $1,000 36 mo 0.55% 0.55%
Certificates of Deposit $1,000 48 mo 1.45% 1.46%
Certificates of Deposit $1,000 60 mo 1.49% 1.50%
View details on our Rising Rate CD Special here.        

Call for IRA rates.
APY - Annual percentage yield.
1A penalty may be imposed for early withdrawal.
Effective as of 3/23/2018

*APY (Annual Percentage Yield) and interest rate effective 3/23/2018 and subject to change without notice. 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 7-month term to receive the stated APY. Substantial penalty for closing CD before maturity. Additions cannot be made to the CD during the term. CD will automatically renew for a 7-month fixed term at the rates and terms then in effect. Offer subject to change without notice.

View our Calculators to calculate your interest.