COVID-19 ATM/Branch Locator Fraud Protection Contact Us Business Banking Personal Banking Residential Lending About Login Community Reinvestment Act About The Community Reinvestment Act The federal Community Reinvestment Act (CRA) makes good business sense to us and means good credit news for you. The CRA requires federal regulators to evaluate and rate our performance in meeting the credit needs of our communities. After each evaluation, the rating we receive will be made public. Only when we meet acceptable performance standards are we able to have certain applications, such as expansions or new branch openings approved by the regulators. What we offer to our communities… Our goal is to meet the credit needs of all qualified borrowers in a nondiscriminatory, timely manner. To accomplish this, we offer the following types of credit. First Time Buyer Mortgages Freddie Mac Mortgages FMHA, FHA and VA Loans Home Equity Loans Home Improvement Loans Residential Lot Loans Residential Construction Loans Agricultural Real Estate Mortgages Livestock Loans Farm Machinery Loans Operating Loans Commercial Mortgages Commercial Operating Loans Commercial Construction Loans Construction Equipment Loans Recreational Vehicle Loans Mobile Home Loans Auto Loans Truck Loans Personal Loans To further educate the public and gather data about our communities’ credit needs, we offer the following informational activities: Officer’s Call Program Guest Lectures at Local Schools Communities Advisory Committee To reach all segments of our communities and inform them of what we have to offer, we use the following types of advertising media: The Times Homefinder Publication Bulletins Radio: WCMY, WSPY, WCSJ Area Wide Phone Book Yellow Pages Communities Churches High School Year Book and Sport Programs Flyers Direct Mail Program Lobby Displays Drive-up Window Envelopes Email and the Internet at www.firstottawa.com. So we can better recognize your credit needs and aid in the development of our communities, we proudly contribute our time and lend our expertise to local organizations. Should you have other credit needs not included in these lists or suggestions on how we can better serve you, please let us know. We’ll do all we can to assist you in any way. Privacy Notice Accessibility Statement Careers Site Map Contact Us Error Resolution Community Reinvestment Act Bank Holidays First Ottawa Bancshares, Inc. is the parent company of American Commercial Bank & Trust and its Branches: The First National Bank of Ottawa, The First National Bank of Ottawa – Northfield, The First National Bank of Ottawa – Plaza, The First National Bank of Ottawa – South, Morris National Bank & Trust, Streator National Bank, Yorkville National Bank & Trust. E-MAIL NOTICE: Please be aware that Internet E-mail is not a secure means of transmitting information. Private information such as Account Numbers and Social Security Numbers should not be included in your E-mail. This website is provided as a source of general information and is not intended to be a direct solicitation of services. Full disclosures may be obtained by contacting any of our offices. Copyright © 2021, First Ottawa Bancshares, Inc. All Rights Reserved