toy car besides a pile of coins and a calculator


Auto Loans


Jim Rochetto


815-366-5453 (DIRECT)

Jim has over 30 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 HELOCS, auto, boat and RV loans, and unsecured loans. Jim also works with small business clients to meet their credit needs.

Jim holds a BS in finance from Western Illinois University.



Tamara Dahl

Tamara Dahl


815-366-5476 (DIRECT)

Tamara has been with OSB Community Bank since March 2019, serving as the Retail Manager of our Ottawa branch facility. With over 11 years of retail lending experience, Tamara possesses the knowledge and expertise to meet the retail credit needs of our customers. Tamara holds an associates degree in paralegal services and has been involved in a number of community organizations and events. In her spare time, Tamara enjoys antiquing, crafting and camping.

Current auto loan specials on 2019 thru 2023 vehicles  Rates too GOOD to be true!!! For details about Our Special Rates 

please call 815-366-5453


click here to email us.


Interest rates as of December 15, 2022.

New/Used – 2019 through 2023

Term Interest Rate Annual Percentage Rate (APR)
Up to 60 Months 5.750% 6.125%
61 – 72 Months 6.375% 6.695%

Used – 2016 through 2018

Term Interest Rate Annual Percentage Rate (APR)
Up to 60 Months 6.250% 6.628%

Used – 2013 through 2015

Term Interest Rate Annual Percentage Rate (APR)
Up to 60 Months 7.125% 7.506%

Used – 2012 & older

Term Interest Rate Annual Percentage Rate (APR)
Up to 48 Months 7.750% 8.221%

Above rates will receive a .25% discount with an Automatic Funds Transfer from an 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.

Payment Example: A $10,000.00 new car loan for a term of 60 months at 5.750% would require 60 monthly payments of $193.91

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

Please Note: OSB Community Bank is committed to protecting your privacy and ensuring your private information is secure. For your protection, please do not send sensitive information such as account numbers, Social Security Numbers or private information through email.


OSB Community Bank

Visit any of our Ottawa, Marseilles or Morris locations

ABA Routing #271972925

OSB on Facebook

Copyright 2023 by OSB Community Bank
Equal Housing Lender
FDIC Insured