Bank · FDIC insured
Old Second National Bank CD Rates
Old Second National Bank’s best CD rate is 3.75% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Old Second National Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Old Second National Bank has the most branches. $10,000, best rate first.
This bank’s best
Old Second National Bank
3.75%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $217
CD Specials
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Old Second National Bank CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo0.15%
- 31–60 months31–60 mo0.25%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Old Second National Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Specials
Up to 3.75%APY · 2 terms
Must be opened with new money, not already on deposit with Old Second National Bank. 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 or 11 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made to the CD during the term. Fees could reduce earnings on the account. CD will automatically renew for a 7 month or 11 month fixed term at the rates and terms then in effect. 7 month and 11 month CDs not available for IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsMust be opened with new money, not already on deposit with Old Second National Bank. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 7 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made during term. Fees could reduce earnings. CD will automatically renew for a 7 month fixed term. Not available for IRAs | 3.75% | $217 |
| 11 monthsMust be opened with new money, not already on deposit with Old Second National Bank. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 11 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made during term. Fees could reduce earnings. CD will automatically renew for a 11 month fixed term. Not available for IRAs | 3.50% | $320 |
Certificates of Deposit
Up to 0.25%APY · 5 terms
Penalty for early withdrawals. To open a CD please visit one of our branches.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–11 monthsPenalty may be imposed for early withdrawal | 0.05% | $1 |
| 12–29 monthsPenalty may be imposed for early withdrawal | 0.10% | $10 |
| 30–35 monthsPenalty may be imposed for early withdrawal | 0.15% | $38 |
| 36–59 monthsPenalty may be imposed for early withdrawal | 0.20% | $60 |
| 60 monthsPenalty may be imposed for early withdrawal | 0.25% | $126 |
Sources (2)
All captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.