Community Development Linked Deposit Rates
The following rates apply to approved financial institutions interested in participating in the Treasurer’s Community Development Linked Deposit or Access to Capital Programs. The rates quoted herein are for illustrative purposes only and are subject to change without notice. If you are not currently an Approved Depository, go to the section, Become an Approved Program Depository, for all appropriate forms, documentation, and instructions. Financial institutions, please contact the Banking Division Time Deposit Section at 217-782-0764 to discuss any state deposit terms for submitted applications.
To learn more about the Invest in Illinois Rate Methodology (PDF).
Important updates are available in the 2024 Community Development Linked Deposit Program Letter (PDF). Program updates effective January 1, 2026, through December 31, 2026.
| July 14, 2026 | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Access to Capital | 30 days | 90 days | 180 days | 365 days | 2 years | ||||||||
| State | 3.91 | 3.99 | 4.11 | 4.27 | 4.49 | ||||||||
| State Treasurer’s Community Development Linked Deposit Programs | 1 year | 2 years | 3 years |
|---|---|---|---|
| Ag Invest | |||
| Agricultural Long-Term | 2.00 | 2.00 | 2.00 |
| Agriculture Annual Operating for July 2026 | 2.00 | 2.00 | |
| Business Invest | |||
| Community Uplift Program (CUP) | 2.00 | 2.00 | 2.00 |
| Community Invest | |||
| Opportunity Illinois | 2.00 | 2.00 | 2.00 |
| Cannabis Banking Services for July 2026 | 3.01 | ||
To access the SCALE UP program 1-year rate, contact Rebecca Huston at 217-558-6217.
Strengthen Lending with Stable Deposits
Time deposits provide eligible financial institutions with a stable source of funding that can support lending in Illinois communities.
Call the Time Deposit Section at 217-782-0764 or email Banking-TimeDeposit@illinoistreasurer.gov.