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What is a Linked Deposit program and how does it work?
What is a Linked Deposit program and how does it work?
Lucas County Treasurer Wade Kapszukiewicz, the Lucas County Office of Economic Development, and local lending institutions have teamed up to offer area businesses, builders and developers a program that offers the financial help necessary to grow their organizations.

Participating financial institutions pre-approve applicants for a two- to four- year economic development loan at a competitive rate of interest. If the project meets linked deposit criteria, the County Treasurer will purchase a certificate of deposit from the financial institution and accept a lower rate of return. The financial institution in return is required, by law, to reduce the interest rate by three (3%) percent. Thus, loans are linked between the County, the financial institution, and the participating business. In return for a slight loss of immediate investment dollars, the County is able to help provide quality jobs, which in turn will lead to an increased tax base in the long run. The Linked Deposit Program is not only helping area businesses and developers expand, but it is also helping to bring about future investments for our schools, Metro parks, libraries and other County programs that rely on tax dollars for survival.

Who is eligible?

In order to qualify for the Linked Deposit Program, the small business must meet the following requirements: Be organized for profit. Maintain offices and operating facilities exclusively in Lucas County. Employ fewer than 150 people at the time of application, the majority of whom must be Ohio residents.

Linked Deposit Application (pdf)

Linked Deposit Guidelines (pdf)

Participating Lenders
  • Fifth Third Bank
    Brian Reid
    Vice President, Business Banking
    606 Madison Ave. MD 292941
    Toledo, OH 43604

  • First Federal
    Craig Curtis

  • First Merit
    Ed Pearson

  • Huntington
    Paul Johnson

  • KeyBank
    Gary Freed

  • National City Bank
    Brenda Drew

  • Signature
    Josh Schuyler
Advanced ...
One Government Center
Suite 500
Toledo, OH  43604
(419) 213-4305

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Downloadable Phone Directory (PDF)

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