The FDIC has published a guide encouraging traditional community banks to partner with CDFIs. The guide identified loan participations as a strength of CDFI banks, enabling traditional banks to manage risk in low- and moderate-income areas while allowing the CDFI bank to make larger loans. Citing several existing partnerships, the report said Chicago-based Community Savings Bank received CRA credit for investing $1 million in certificates of deposit in six CDFI banks, including Urban Partnership Bank, Pan American Bank, Illinois Service Federal Savings and Loan and International Bank of Chicago. Bank Leumi USA also maintains a $100,000 certificate of deposit with Urban Partnership Bank.