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Auto Loans

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Jim Rochetto

Jim has 27 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 nine 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 , :

Ask us about our current specials

New/Used 2015 & 2018

Term Interest Rate Anual Percentage Rate (APR)
Up to 60 Months 3.250% 3.574%
61 – 72 Months 3.740% 4.013%

Used – 2011 through 2014

Term Interest Rate Anual Percentage Rate (APR)
60 Months Maximum 3.625% 3.950%

Used – 2010

Term Interest Rate Anual Percentage Rate (APR)
54 Months Maximum 4.000% 4.360%

Used – 2009 & older

Term Interest Rate Anual Percentage Rate (APR)
42 Months Maximum 4.625% 5.082%

Payment Example:

A $10,000.00 new car loan for a term of 60 months at 3.25% would require 60 monthly payments of $182.00.

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.