Join our mailing list to receive OSB news on events, services and offers.

Auto Loans

Current auto loan specials on 2016 thru 2018 vehicles

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





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.

Jim holds a Bachelor of Science degree 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 Sherwood

Audrey has been with Twin Oaks Savings Bank, now Ottawa Savings Bank, for over ten years.  In addition to her duties as Assistant Branch Manager and Teller Supervisor, Audrey provides mortgage and consumer loan services at the Marseilles branch.  Audrey is a graduate of the Community Bankers Association of Illinois Consumer Lending Institute and the Community Bankers School.  She holds a Bachelor of Science degree in Finance from Devry University. Audrey is a member of the Career Development Division of the CBAI and the Marseilles Rotary Club. She also serves as a member of the Board of Directors of the United Way of Eastern LaSalle County.

Click to Contact Audrey Sherwood for your auto loan needs!

Brandi Backulich

Brandi 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 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 Backulich for your auto loan needs!

Interest rates as of , :


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

TermInterest RateAnual Percentage Rate (APR)
Up to 60 Months3.350%3.679%
61 - 72 Months3.950%4.230%

Used - 2014 through 2015

TermInterest RateAnual Percentage Rate (APR)
Up to 60 Months3.740%4.072%
61 - 72 Months4.240%4.522%

Used - 2011 through 2013

TermInterest RateAnual Percentage Rate (APR)
Up to 60 Months Maximum4.150%4.485%

Used - 2010 & older

TermInterest RateAnual Percentage Rate (APR)
48 Months Maximum5.440%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.