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Auto Loans at OSB Community Bank

Current auto loan specials on 2016 thru 2018 vehicles

Rates too GOOD to be true!!!  Call us today for details

 

Call us or stop in today!
Twin Oaks Savings Bank – Morris
A Division of Ottawa Savings Bank
1508 Creek Drive
P.O. Box 465
Morris, IL 60450
Phone: 815-941-0004

Brandi Stelmack

Brandi Stelmack has been with the Ottawa Savings Bank for over 5 years. In addition to her duties as Assistant Branch Manager and teller supervisor in Morris, Brandi serves as the branch’s primary consumer lender, focusing on home equity lines of credit as well as automobile, boat, RV and unsecured personal loans. Brandi enjoys working with her customers, assisting them in finding accounts and products that fit their needs. She is also very active in the community and serves as an Ambassador for the Grundy County Chamber of Commerce.

Click to Contact Brandi Stelmack for your auto loan needs!

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Jim Rochetto

Jim has 29 years of banking experience.  He is responsible for all aspects of the bank’s retail lending other than owner-occupied first mortgages. This includes business development, origination, underwriting and servicing. The loan products include home equity lines of credit, auto, boat and RV loans, and unsecured loans. Jim will also be working with small business clients to meet their credit needs as well.retail lending other than owner-occupied first mortgages. This includes business development, origination, underwriting and servicing.

Jim holds a BS in finance from Western Illinois University. He lives in Ladd with his wife Tammy. They have two grown daughters.

Click to Contact Jim Rochetto for your auto loan needs!

Audrey

Audrey Sherwood

Audrey has been with Twin Oaks Savings Bank, now Ottawa Savings Bank, for ten years.  In addition to her duties as Assistant Branch Manager and Teller Supervisor, Audrey provides loan products that include home equity lines of credit, auto, boat and RV loans, and unsecured loans at the Marseilles branch.  Audrey is a graduate of the Community Banking Association of Illinois Consumer Lending Institute and the Community Bankers School.  She holds a Bachelor of Science degree in Finance from Devry University and is a member of the Career Development Division of the CBAI.

Click to Contact Audrey Sherwood for your auto loan needs!

 

Interest rates as of :

 

New 2017’s and 2018’s or Used 2016 through 2018

Term Interest Rate Anual Percentage Rate (APR)
Up to 60 Months 3.350% 3.679%
61 – 72 Months 3.950% 4.230%

Used – 2014 through 2015

Term Interest Rate Anual Percentage Rate (APR)
Up to 60 Months 3.740% 4.072%
61 – 72 Months 4.240% 4.522%

Used – 2011 through 2013

Term Interest Rate Anual Percentage Rate (APR)
Up to 60 Months Maximum 4.150% 4.485%

Used – 2010 & older

Term Interest Rate Anual Percentage Rate (APR)
48 Months Maximum 5.440% 5.858%

Payment Example:

A $10,000.00 new car loan for a term of 60 months at 3.35% would require 60 monthly payments of $181.27.

Above rates will receive a .25% discount with an  Automatic Funds Transfer from and OSB checking or savings account.

Borrowers with higher credit scores will receive the rates listed above.

Lower credit scores will result in higher interest rates.  Your rate will depend on your credit score.

Rate qualifications will be determined by taking the score of each applicant and averaging the scores.

*All rates and terms are subject to change without notice.