Community Development Linked Deposits

Home / Financial Institutions / Community Development Linked Deposits

A key objective of the Treasurer's Office is to invest State capital in a manner that supports community development while simultaneously preserving investment capital and generating competitive earnings for the State. Community Development Linked Deposits programs (Linked Deposit) achieve this exact purpose.


How it Works

Through Linked Deposit programs, the Treasurer’s Office deposits money in approved financial institutions at a below-market rate. Those financial institutions, which include community banks, credit unions, and savings and loan companies, then use that money to provide low-interest loans to qualified borrowers per the guidance and terms of the Treasurer’s Office. In the end, the Treasurer’s Office earns an investment return on the money deposited, participating financial institution earns interest on the money lent, and qualified borrowers in Illinois gain access to reduced-cost loans they can use to expand their business or improve their farm, for example. 

How Community Development Linked Deposits Work

Community Development Linked Deposit Programs

The suite of Invest in Illinois programs, which currently include Ag Invest, Business Invest - CUP, Community Invest -  Opportunity Illinois and Community Invest - Cannabis Banking Services, are all Community Development Linked Deposit programs that provide capital to financial institutions for the purpose of providing low-interest loans to qualified borrowers at the direction of the Treasurer’s Office.


           •  Ag Invest

                Operating Line of Credit Loan Program

                Long Term and Agri- Business Program



           •  Business Invest

                           Community Uplift Program  (CUP)



           •  Community Invest

                           Opportunity Illinois

                           Cannabis Banking Services


Become an Approved Program Depository

To participate in the Community Development Linked Deposits program, financial institutions must become an approved state depository. 


           •  Become an Approved Program Depository

           •  List of Approved Program Depositories

           •  List of Participating Program Depositories


Community Reinvestment Act

The Treasurer’s Office seeks to encourage an open and effective banking system that grows local communities and boosts Illinois’ economy. By law, the Treasurer’s Office is authorized to consider a financial institution’s record and current level of financial commitment to its local community when deciding whether to deposit State funds in that financial institution. CRA ratings of "Satisfactory" or "Outstanding" are required to allow the deposit of state funds. Exemptions for the Community Uplift Program will be considered for qualified credit unions that do not receive a CRA rating.


           •  Community Reinvestment Act


Invest in Illinois Daily Rates

View the Invest in Illinois Daily Rates for the Invest in Illinois suite of programs.


Contact Us

For questions, please contact the Invest in Illinois team at 217.558.6217 or