Watch your money grow.


Earn up to


interest rate for 6 months.*



and up (see tiers below)



Open a Money Builder Savings account with $10,000 or more in new money and watch your money grow! 

Open yours today at any Old Second location or open an account online.


*(Annual Percentage Yield) APY is accurate as of 3/12/2020. Money Builder Savings promotional APY applies only to account opened with a minimum of $10,000 new money not currently on deposit at any location of Old Second National Bank. Advertised APY based on 6 month promotional interest rate and assumes daily balance does not drop below $10,000. Interest rates and APYs are variable and may change without notice. Minimum deposit to open account is $1,000. No interest is earned on balances under $1,000. Personal accounts only. Tiered interest rates and APYs are as follows:

Deposit Amount

Interest Rate
(first 6 months**)

(assumes new money
kept on deposit one year**)
Interest Rate
(not new money
or after 6 months)
(assumes not new money
or after 6 months)
$1,000-$9,999 .08% .08% .08% .08%
$10,000-$24,999 1.00% .54% .08% .08%
$25,000-$49,999 1.00% .55% .10% .10%
$50,000-$999,999 1.00% .56% .11% .11%
**assumes new money of $10,000 or more on deposit and daily balance does not drop below $10,000.

A $15 service fee will be imposed every month if the balance in the account falls below $1,000 on any day in the month. Federal regulations limit the account to a total of six (6) preauthorized or automatic transfers or withdrawals, electronic banking transfers between other accounts or a third party per statement cycle period. We will assess a $12.00 fee for each withdrawal over six (6) in a four (4) week period. Accounts closed within ninety (90) days of account opening will be charged $25 and will not earn the stated APY. Fees may reduce earnings. Rates, tiers and promotional offer subject to change without notice. “O2” and “Old Second” each refer to Old Second National Bank. Offer expires at close of business day March 31, 2020.