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Whether saving for a rainy day, that special vacation, or for retirement, we offer a variety of time deposit accounts designed with our customer's needs in mind.

With as little as $1,000, our Certificate of Deposit allows you to earn a higher rate of interest than the traditional savings account. The interest you earn can be mailed to you, retained in the certificate, or transferred to your ACB & T checking or savings account.

Individual Retirement Accounts offer a disciplined method of saving for the future with tax benefits. We offer Traditional, Roth, Education, SEP, Simple and Qualified plans, with attractive terms and interest rates.

Call 815.434.0044 for our current CD and IRA rates


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First Ottawa Bancshares, Inc. is the parent company of The First National Bank of Ottawa and its Branches: 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, and American Commercial Bank & Trust.

First Ottawa Financial Services is a division of The First National Bank of Ottawa



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