Bank · FDIC insured
OSB Community Bank Auto Loan Rates
OSB Community Bank auto loans start at 6.41% APR for a new vehicle and 6.41% for a used one. Rates checked October 16, 2026.
How OSB Community Bank’s auto loan rates compare
Compared with banks and credit unions near Ottawa, IL, where OSB Community Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
OSB Community Bank
6.41%APR
- Terms
- up to 60 months
- Discount
- None included
New/Used – 2023 through 2026
Lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
OSB Community Bank auto loan score
64
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.41%
- Used vehicleUsed6.41%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OSB Community Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New/Used – 2023 through 2026
Receive a 0.25% discount with an automatic funds transfer from an OSB Checking or Savings Account. Borrowers with higher credit scores will receive the listed rates; lower credit scores will result in higher interest rates. Rate qualifications determined by averaging applicant credit scores.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.41% | — |
| 61–72 months | 6.50% | — |
Sources (1)
- myosb.bank/Loans/Auto-Loans · captured Oct 7, 2026
Used – 2015 & older
Receive a 0.25% discount with an automatic funds transfer from an OSB Checking or Savings Account. Borrowers with higher credit scores will receive the listed rates; lower credit scores will result in higher interest rates. Rate qualifications determined by averaging applicant credit scores.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 10.53% | — |
Sources (1)
- myosb.bank/Loans/Auto-Loans · captured Oct 7, 2026
Used – 2016 through 2018
Receive a 0.25% discount with an automatic funds transfer from an OSB Checking or Savings Account. Borrowers with higher credit scores will receive the listed rates; lower credit scores will result in higher interest rates. Rate qualifications determined by averaging applicant credit scores.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.72% | — |
Sources (1)
- myosb.bank/Loans/Auto-Loans · captured Oct 7, 2026
Used – 2019 through 2022
Receive a 0.25% discount with an automatic funds transfer from an OSB Checking or Savings Account. Borrowers with higher credit scores will receive the listed rates; lower credit scores will result in higher interest rates. Rate qualifications determined by averaging applicant credit scores.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.42% | — |
Sources (1)
- myosb.bank/Loans/Auto-Loans · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.