APY on $10,000
0.02%
As of Nov 8, 2026. Rates are variable.
Old Second National Bank · Savings account
Old Second MONEY BUILDER SAVINGS
$2 a year on $10,000 at today’s 0.02% APY. $15 a month. $1,000 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer document · oldsecond.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.02%
- Monthly fee, a year
- $180
- A year
- $2
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer document · oldsecond.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · oldsecond.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · oldsecond.com
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Offer
Bonus
$5,000 deposited within 90 days, kept 180 days
Old Second MONEY BUILDER SAVINGS · Old Second
Ends Dec 31, 2026Meet it within 90 days
“After meeting the $50 checking bonus requirements, open a Money Builder Savings account with a $1,000 minimum opening deposit and reach a balance of at least $5,000 by the 90th calendar day after opening the new personal checking account.”The bank’s page, checked Nov 8, 2026
Against the market
How it ranks
#78of 270 savings accounts, by a year’s value on $10,000
All 270 savings accounts, rankedFeatures
- Interest bearing
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $1,000 to $9,999.99
- 0.02%
- $10,000 to $24,999.99
- 0.02%
- $25,000 to $49,999.99
- 0.02%
- $50,000 and up
- 0.05%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $1,000oldsecond.com, checked Nov 8, 2026
- To earn the APY
- A balance of $1,000 in the account each day to obtain the disclosed annual percentage yield.oldsecond.com, checked Nov 8, 2026
- Interest compounds
- quarterlyoldsecond.com, checked Nov 8, 2026
Fees
- Monthly fee
- $15 a montholdsecond.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- if the balance in the account falls below $1,000 on any day of the montholdsecond.com, checked Nov 8, 2026
- Minimum to open
- $1,000oldsecond.com, checked Nov 8, 2026
- Overdraft fee
- $36oldsecond.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $36oldsecond.com, checked Nov 8, 2026
- Overdraft transfer fee
- Noneoldsecond.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 5oldsecond.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $2.50oldsecond.com, checked Nov 8, 2026
- Incoming domestic wire
- $15oldsecond.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30oldsecond.com, checked Nov 8, 2026
- Incoming international wire
- $15oldsecond.com, checked Nov 8, 2026
- Outgoing international wire
- $50oldsecond.com, checked Nov 8, 2026
- Paper statements
- $3.95 a montholdsecond.com, checked Nov 8, 2026
- Inactivity fee
- $5oldsecond.com, checked Nov 8, 2026
- Early closure fee
- $50oldsecond.com, checked Nov 8, 2026
- Cashier’s check
- $10oldsecond.com, checked Nov 8, 2026
- Stop payment
- $36oldsecond.com, checked Nov 8, 2026
- Card replacement
- $10oldsecond.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money