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.


Current auto loan specials
on 2021 thru 2024 vehicles.
  Rates too GOOD to be True!!!

For details about our special rates please 
call 815-366-5453 or click here to email us.


Interest rates as of October 5th, 2023

New/Used – 2021 through 2024

term interest rate annual percentage rate (apr)
Up to 60 months 6.990% 7.374%
61 – 72 months 7.290% 7.617%

Used – 2017 through 2020

term interest rate annual percentage rate (apr)
Up to 60 months 7.290% 7.677%

Used – 2014 through 2016

term interest rate annual percentage rate (apr)
Up to 60 months 7.875% 8.264%

Used – 2013 & older

term interest rate annual percentage rate (apr)
Up to 48 months 10.000% 10.487%


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 6.990% would require 60 monthly payments of $199.78

*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.



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