KAMBUF-Banking (Black)

The Harbor Bank of Maryland

Established in 1982, the bank started with a $2.1 million in assets. It is also the first bank in the country that offers Investment Subsidiary called Harbor Financial Services. As of today, this black-owned bank now has more than $280 million in assets and has deposits amounting to $219 million. The Harbor Bank of Maryland primarily serves the Baltimore area and currently has seven branches. The bank offers savings and checking accounts as well as time deposits, debit and credit cards, real estate loans, personal, business, automobile, and other installment and term loans.

Website: www.theharborbank.com

Industrial Bank

Based in Washington D.C., the Industrial Bank is a historic black-owned bank in the United States that was established in 1913 but was reorganized by Jesse Mitchell in 1934. In 1947, it became the first largest black-owned bank in the country, with a total of $6 million in assets from its 14,000 depositors. Today, the bank has total assets of $423 million and operates eight branches across Washington, D.C. One of the primary goals of the Industrial Bank is to provide loans for low- and moderate-income African-American communities to improve their financial status.

Website: www.industrial-bank.com

Citizens Trust Bank

This black-owned bank is an Atlanta, Georgia-based bank with branches in Birmingham and Eutaw. Citizens Trust was established in 1921 to serve the black community in Atlanta. Moreover, in 1947, Citizens Trust Bank became a member of the Federal Reserve Bank. The bank currently holds an asset amounting to $411 million and has operating ten branches. The bank focuses on providing different types of loans, such as business and real estate loans. They even offer an affordable housing program for the black community, especially to those who need down payment assistance.

Website: www.ctbconnect.com

OneUnited Bank

This black-owned bank is headquartered in Boston, Massachusetts. They are a registered member of the FDIC or Federal Deposit Insurance Corporation. Since 2018, the bank maintained a total asset of $670 million, with only six branches operating. Their main objective is to provide services to low- to moderate-income African-American communities and even offer workshops to improve financial literacy.

Website: www.oneunited.com

Carver Federal Savings Bank

This bank is considered as the second-largest black-owned bank in the U.S. with assets totaling $664 million. Carver Federal Savings Bank was founded in 1948 and was named after the famous scientist, George Washington Carver. It provides financial aid, especially to the underserved black communities.

Website: www.carverbank.com

KAMBUF - (Black)-owned banks and credit unions

If you’re considering banking with a Black financial institution, check out this list of Black-owned banks and credit unions in the U.S. If you don’t see a bank listed in your area, keep in mind you may still be able to use the bank’s digital banking services.

1. Alamerica Bank – located in Birmingham, Ala.

2. Citizens Trust Bank – located in 15 cities across the U.S.

3. Columbia Savings and Loan – located in Milwaukee, Wyo.

4. Commonwealth National Bank – has two locations in Mobile, Ala.

5. Broadway Federal Bank FSB – two locations in Los Angeles, Calif. and one in Inglewood, Calif.

6. Carver State Bank – two locations in Savannah, Ga.

7. Carver Federal Savings Bank – located in three cities in N.Y.

8. Columbia Savings & Loan ASSN – located in Milwaukee, Wyo.

9. GN Bank – located in Chicago, Ill.

10. First Independence Bank – located in two cities in Mich.

11. Harbor Bank of Maryland – located in three cities in Md.

12. Liberty Bank & Trust CO – located in 10 cities across the U.S.

13. Industrial Bank NA – has multiple locations in N.Y., Md. and N.J.

14. OneUnited Bank – located in three cities across the U.S.

15. Optus Bank – located in Columbia, S.C.

16. Mechanics & Farmers Bank – located in five cities in the Carolinas

17. Tri-State Bank of Memphis – located in Memphis, Tenn.

18. Unity National Bank – located in three cities in Texas and Ga.

19. United Bank of Philadelphia – located in Philadelphia, Pa.

Black-Owned Banks: State-by-State Breakdown

Alabama

• OneUnited Bank: Multiple ATM locations²¹

• Alamerica Bank: Birmingham²²

• Citizens Trust Bank: Birmingham and Eutaw²³

• Commonwealth National Bank: Mobile²⁴

• Liberty Bank: Montgomery and Tuskegee²⁵ ²⁶

• Metro Bank: Ashville, Heflin, Lincoln, Moody, Pell City, Ragland, Southside²⁷

• Hope Credit Union: Montgomery²⁸

Alaska

• OneUnited Bank: Multiple ATM locations²¹

Arizona

• OneUnited Bank: Multiple ATM locations²¹

Arkansas

• OneUnited Bank: Multiple ATM locations²¹

• Hope Credit Union: College Station, Little Rock, Pine Bluff, and West Memphis²⁸

California

• OneUnited Bank: Multiple ATM locations, in addition to the Corporate Office and Crenshaw Branch, as well as the upcoming Compton Branch²¹

• Broadway Federal Bank: Los Angeles²⁹

Colorado

• OneUnited Bank: Multiple ATM locations²¹

Connecticut

• OneUnited Bank: Multiple ATM locations²¹

Delaware

• OneUnited Bank: Multiple ATM locations²¹

District of Columbia

• Industrial Bank: District of Columbia (Anacostia Gateway Banking Center, Ben's Chili Bowl, DC Court of Appeals, DC Superior Court, F Street Banking Center, Forestville Banking Center, Georgia Avenue Banking Center, J.H. Mitchell Banking Center, Nationals Park, Oxon Hill Banking Center, U Street Banking Center³⁰

• Howard University Employees Federal Credit Union: C B Powell Building³¹

Florida

• OneUnited Bank: Multiple ATM locations, in addition to the Miami Branch²¹

• FAMU Federal Credit Union: Tallahassee³²

Georgia

• OneUnited Bank: Multiple ATM locations²¹

• Carver State Bank: Savannah³³

• Citizens Trust Bank: Atlanta, Decatur, East Point, Lithonia, Stone Mountain, Stonecrest²³

• Unity National Bank: Atlanta³⁴

• 1st Choice Credit Union: Atlanta³⁵

• Credit Union of Atlanta: Atlanta³⁶

• Omega Psi Phi Fraternity Federal Credit Union: Toccoa³⁷

Hawaii

• OneUnited Bank: Multiple ATM locations²¹

Idaho

• OneUnited Bank: Multiple ATM locations²¹

Illinois

• OneUnited Bank: Multiple ATM locations²¹

• GN Bank: Chicago³⁸

• Liberty Bank: Forest Park³⁹

• South Side Community Federal Credit Union: Chicago⁴⁰

Indiana

• OneUnited Bank: Multiple ATM locations²¹

Iowa

• OneUnited Bank: Multiple ATM locations²¹

• First Security Bank: Aredale, Charles City, Dumont, Hampton, Ionia, Manly, Marble Rock, Nora Springs, Riceville, Rockford, Rockwell, Rudd, and Thornton⁴¹

Kansas

• OneUnited Bank: Multiple ATM locations²¹

• Liberty Bank: Kansas City⁴²

Kentucky

• OneUnited Bank: Multiple ATM locations²¹

• Liberty Bank: Louisville⁴³

Louisiana

• OneUnited Bank: Multiple ATM locations²¹

• Liberty Bank: Baton Rouge and New Orleans⁴⁴ ⁴⁵

• Hope Credit Union: New Orleans²⁸

• Southern Teachers & Parents Federal Credit Union: Baton Rouge and Thibodaux⁴⁶

Maine

• OneUnited Bank: Multiple ATM locations²¹

Maryland

• OneUnited Bank: Multiple ATM locations²¹

• The Harbor Bank of Maryland: Baltimore, Randallstown, and Silver Spring⁴⁷

Massachusetts

• OneUnited Bank: Multiple ATM locations, in addition to the Corporate Headquarters and the Roxbury Branch²¹

Michigan

• OneUnited Bank: Multiple ATM locations²¹

• First Independence Bank: Clinton Township and Detroit⁴⁸

• Liberty Bank: Detroit⁴⁹

Minnesota

• OneUnited Bank: Multiple ATM locations²¹

Mississippi

• OneUnited Bank: Multiple ATM locations²¹

• Liberty Bank: Jackson⁵⁰

• Hope Credit Union: Biloxi, Drew, Greenville, Jackson, Louisville, Macon, Moorhead, Robinsonville, Shaw, Terry, Utica, and West Point²⁸

Missouri

• OneUnited Bank: Multiple ATM locations²¹

• Liberty Bank: Kansas City⁵¹

• St. Louis Community Credit Union: Ferguson, Florissant, Pagedale, Richmond Heights, St. John, St. Louis, University City, and Wellston⁵²

Montana

• OneUnited Bank: Multiple ATM locations²¹

Nebraska

• OneUnited Bank: Multiple ATM locations²¹

Nevada

• OneUnited Bank: Multiple ATM locations²¹

New Hampshire

• OneUnited Bank: Multiple ATM locations²¹

New Jersey

• OneUnited Bank: Multiple ATM locations²¹

• Industrial Bank: Newark³⁰

New Mexico

• OneUnited Bank: Multiple ATM locations²¹

New York

• OneUnited Bank: Multiple ATM locations²¹

• Carver Federal Savings Bank: Brooklyn, Jamaica, and New York City⁵³

• Industrial Bank: New York City⁵⁴

• Urban Upbound Federal Credit Union: Long Island City⁵⁵

North Carolina

• OneUnited Bank: Multiple ATM locations²¹

• Mechanics & Farmers Bank: Charlotte, Durham, Greensboro, Raleigh, and Winston-Salem⁵⁶

• First Legacy Community Credit Union: Charlotte⁵⁷

• Greater Kinston Credit Union: Kinston⁵⁸

North Dakota

• OneUnited Bank: Multiple ATM locations²¹

Ohio

• OneUnited Bank: Multiple ATM locations²¹

• Faith Community United Credit Union: Cleveland⁵⁹

• Toledo Urban Federal Credit Union: Toledo⁶⁰

Oklahoma

• OneUnited Bank: Multiple ATM locations²¹

Oregon

• OneUnited Bank: Multiple ATM locations²¹

Pennsylvania

• OneUnited Bank: Multiple ATM locations²¹

• United Bank of Philadelphia: Philadelphia⁶¹

• Hill District Federal Credit Union: Pittsburgh⁶²

Rhode Island

• OneUnited Bank: Multiple ATM locations²¹

South Carolina

• OneUnited Bank: Multiple ATM locations²¹

• OPTUS Bank: Columbia⁶³

• Brookland Federal Credit Union: West Columbia⁶⁴

• Community Owned Federal Credit Union: Charleston⁶⁵

South Dakota

• OneUnited Bank: Multiple ATM locations²¹

Tennessee

• OneUnited Bank: Multiple ATM locations²¹

• Citizens Bank: Memphis and Nashville⁶⁶

• Tri-State Bank: Memphis⁶⁷

• Hope Credit Union: Jackson and Memphis²⁸

Texas

• OneUnited Bank: Multiple ATM locations²¹

• Unity National Bank: Houston and Missouri City³⁴

• Faith Cooperative Credit Union: Dallas⁶⁸

• Mount Olive Baptist Church Federal Credit Union: Dallas⁶⁹

• Oak Cliff Christian Federal Credit Union: Dallas⁷⁰

Utah

• OneUnited Bank: Multiple ATM locations²¹

Vermont

• OneUnited Bank: Multiple ATM locations²¹

Virginia

• OneUnited Bank: Multiple ATM locations²¹

• Virginia State University Federal Credit Union: South Chesterfield⁷¹

Washington

• OneUnited Bank: Multiple ATM locations²¹

West Virginia

• OneUnited Bank: Multiple ATM locations²¹

Wisconsin

• OneUnited Bank: Multiple ATM locations²¹

• Columbia Savings & Loan: Milwaukee⁷²

Wyoming

• OneUnited Bank: Multiple ATM locations⁷³

Below: a list of Black-owned banks and credit unions in the U.S., in alphabetical order.

1st Choice Credit Union

Founded in 1946, the Hospital Authority Credit Union was created to provide financial services to employees of Grady Hospital. In 1991, the organization became known as 1st Choice Credit Union.⁷⁸

• Branches: Auburn Avenue Administrative Office (Atlanta, Ga.) and Grady Memorial Hospital (Atlanta, Ga.)³⁵

• ATMs: Crestview Health & Rehabilitation Center (Atlanta, Ga.) and Ponce De Leon Center (Atlanta, Ga.)³⁵

• States: Georgia³⁵

• Services: Personal and business checking and savings, in addition to loans (personal, mortgage, etc.)⁷⁹ ⁸⁰

• Assets: $25.19 million⁸¹

• Availability: Online and brick-and-mortar³⁵ ⁸²

Alamerica Bank

Alamerica Bank was originally organized by a group of prominent Birmingham, Ala., community leaders on Jan. 28, 2000. Alamerica achieved operational profitability after six months of operation.⁸³

• Branches: The Alamerica Bank Building (Birmingham, Ala.)²²

• ATMs: N/A

• States: Alabama²²

• Services: Deposit services (business and personal accounts), loan services (commercial and personal loans), Internet banking, image statements, and MasterMoney debit cards⁸⁴ ⁸⁵ ⁸⁶

• Assets: $18.912 million⁸⁷

• Availability: Online and brick-and-mortar²² ⁸⁶

Broadway Federal Bank

The Broadway Federal Bank is a subsidiary of Broadway Financial Corporation, a bank holding company located in Los Angeles, Calif. Formerly known as the Broadway Federal Savings and Loan Association, founded in 1946, the original building was destroyed by a fire on April 30, 1992. In Dec. 1995, the organization was converted from a federally chartered mutual savings association to a federally chartered stock savings bank, hence the new name.⁸⁸

• Branches: Mid-Wilshire Branch (Los Angeles, Calif.), Inglewood Branch (Inglewood, Calif.), and Exposition Park Branch (Los Angeles, Calif.)²⁹

• ATMs: Part of the MoneyPass network²⁹

• States: California²⁹

• Services: Personal and business accounts, credit cards, and loan products⁸⁹

• Assets: $415 million⁹⁰

• Availability: Online and brick-and-mortar²⁹ ⁹¹

Brookland Federal Credit Union

Founded in 1999, the Brookland Federal Credit Union is a not-for-profit financial cooperative that provides financial services to members of Brookland Baptist Church and their immediate family members.⁹² If you join Brookland Federal, you and your family have a lifetime membership.⁹³

• Branches: Brookland Federal Credit Union (West Columbia, S.C.)⁶⁴

• ATMs: N/A

• States: South Carolina⁶⁴

• Services: Savings, checking, loans, and other services (financial literacy, guaranteed auto protection, etc.)⁹⁴ ⁹⁵ ⁹⁶ ⁹⁷

• Assets: $3.4 million⁹³

• Availability: Online and brick-and-mortar⁶⁴ ⁹⁸

Carver Federal Savings Bank

The Carver Federal Savings Bank was founded in 1948 to serve African American communities with limited access to mainstream financial services. The majority of its branches and ATMs are located in low- to moderate-income neighborhoods.⁹⁹ Carver Federal Savings Bank is one of the three banks that are considered "Black operated," instead of Black owned.³

• Branches: Atlantic Terminal Branch (Brooklyn, N.Y.), Bedford-Stuyvesant - Restoration Plaza Branch (Brooklyn, N.Y.), Crown Heights Branch (Brooklyn, N.Y.), Flatbush Branch (Brooklyn, N.Y.), and St Albans Branch (Jamaica, N.Y.), 125th Street Branch (New York City, N.Y.), and Malcolm X Boulevard Branch (New York City, N.Y.))⁵³

• ATMs: Atlantic Terminal Shopping Mall (2) (Brooklyn, N.Y.) and ATM Banking Center (Brooklyn, N.Y.)⁵³

• States: New York⁵³

• Services: Personal and business banking, loans, and community cash¹⁰⁰ ¹⁰¹ ¹⁰² ¹⁰³

• Assets: $581.718 million¹⁰⁴

• Availability: Online and brick-and-mortar⁵³ ¹⁰⁵

Carver State Bank

Established on Feb. 23, 1927, the Georgia Savings and Realty Corporation was a small, private bank as well as a real estate investment and management company. In 1947, the original institution was converted to a state bank and became known as the Carver Savings Bank. By 1962, Carver had become a full-service commercial bank, thus its name was changed once more to the Carver State Bank.¹⁰⁶

• Branches: Main Office (Savannah, Ga.) and Skidaway Branch (Savannah, Ga.)³³

• ATMs: Main Office (Savannah, Ga.), Skidaway Branch (Savannah, Ga.), and Hilton Head International Airport (Savannah, Ga.)³³

• States: Georgia³³

• Services: Personal accounts (checking and savings), business accounts, loans, development programs, and other services (cashier's checks, money orders, etc.)¹⁰⁷ ¹⁰⁸ ¹⁰⁹ ¹¹⁰ ¹¹¹ ¹¹²

• Assets: $46.124 million¹¹³

• Availability: Online and brick-and-mortar⁵³ ¹¹⁴

Citizens Bank

In 1904, the One Cent Savings Bank became the first minority-owned bank in Tennessee. The institution's name was changed to the Citizens Savings Bank & Trust Co. in 1920. Citizens Bank is the oldest, continuously operating Black-owned bank in the U.S.¹¹⁵

• Branches: Memphis Winchester Road Branch (Memphis, Tenn.) and Main Office (Nashville, Tenn.)⁶⁶

• ATMs: Main Office (Nashville, Tenn.)⁶⁶

• States: Tennessee⁶⁶

• Services: Personal and business banking (checking and savings), credit cards, and loans (personal, business, etc.)¹¹⁶

• Assets: $100 million¹¹⁷

• Availability: Online and brick-and-mortar⁶⁶ ¹¹⁸

Citizens Trust Bank

In 1921, the Citizens Trust Bank was created to serve the African American citizens of Atlanta. Today, the bank plays an active role in providing sponsorship support for multiple community organizations.¹¹⁹

• Branches: Birmingham (Birmingham, Ala.), Eutaw Branch (Eutaw, Ala.), Cascade Branch (Atlanta, Ga.), Corporate Headquarters (Atlanta, Ga.), Westside Branch (Atlanta, Ga.), East Point Branch (East Point, Ga.), and Rockbridge Branch (Stone Mountain, Ga.)²³

• ATMs: Castleberry Inn ATM (Atlanta, Ga.), Westside ATM (Atlanta, Ga.), South Dekalb Mall ATM (Decatur, Ga.), Lithonia ATM (Lithonia, Ga.), Rockbridge Plaza ATM (Stone Mountain, Ga.), Stone Mountain ATM (Stone Mountain, Ga.), and Panola ATM (Stonecrest, Ga.)²³

• States: Alabama and Georgia²³

• Services: Banking (savings, checking, etc.) and borrowing (loans, credit cards, etc.) services¹²⁰ ¹²¹

• Assets: $444.324 million¹²²

• Availability: Online and brick-and-mortar²³ ¹²³

Columbia Savings & Loan

Columbia Savings & Loan has served Milwaukee’s inner city, particularly its minority population, since 1924.⁷²

• Branches: Columbia Savings & Loan Association (Milwaukee, Wis.)⁷²

• ATMs: N/A

• States: Wisconsin⁷²

• Services: Mortgages, church loans, and CDs/IRAs⁷²

• Assets: $22.758 million¹²⁴

• Availability: Brick-and-mortar only⁷²

Commonwealth National Bank

Founded in 1976, the Commonwealth National Bank is a full-service nationally chartered commercial institution. Commonwealth is the sole bank headquartered in Mobile, out of the 45 banks doing business there. In addition to being the only Minority Depository Institution (MDI) in Mobile, it is one of two in Alabama.¹²⁵

• Branches: Main Office Branch (Mobile, Ala.) and Crichton Branch (Mobile, Ala.)²⁴

• ATMs: Main Office Branch (Mobile, Ala.), Crichton Branch (Mobile, Ala.), any Publix Super Market ATM, and any PNC Bank ATM¹²⁶

• States: Alabama²⁴

• Services: Consumer and business services, in addition to loans¹²⁷ ¹²⁸

• Assets: $47.609 million¹²⁹

• Availability: Online and brick-and-mortar²⁴ ¹³⁰

Community Owned Federal Credit Union

In 1966, the Community Owned Federal Credit Union was founded to provide low-income communities in Johns Island and part of Charleston with financial services typically denied to them by mainstream institutions. Membership has since grown to include the entire Charleston area.¹³¹

• Branches: Community Owned Federal Credit Union (Charleston, S.C.)⁶⁵

• ATMs: N/A

• States: South Carolina⁶⁵

• Services: Primary savings account, loans, mortgages, and other services (direct and payroll deposit, in addition to credit workshops)¹³²

• Assets: $6.14 million¹³³

• Availability: Online and brick-and-mortar⁶⁵ ¹³⁴

Credit Union of Atlanta

Founded in 1928, the Credit Union of Atlanta remained stable and secure throughout the Great Depression. Any profits earned are used to secure better rates for the institution's members.¹³⁵

• Branches: Main Office (Atlanta, Ga.) and Pryor Street Lending Center (Atlanta, Ga.)³⁶

• ATMs: Atlanta Detention Center (Atlanta, Ga.), Atlanta Public Safety Annex (Atlanta, Ga.), Credit Union of Atlanta (Atlanta, Ga.), Pryor Street Lending Center (Atlanta, Ga.), in addition to any ATMs in the MoneyPass and STAR networks³⁶ ¹³⁶

• States: Georgia³⁶

• Services: Personal savings and checking, credit builder and personal loans, and payment protection¹³⁷ ¹³⁸ ¹³⁹ ¹⁴⁰ ¹⁴¹

• Assets: $66.604 million¹⁴²

• Availability: Online and brick-and-mortar³⁶ ¹⁴³

Faith Community United Credit Union

Originally chartered in 1952 as Mount Sinai Baptist Church Credit Union, Faith became a Community Development Credit Union (CDCU) in 1991. In 1989, the credit union became the sole provider of financial services when the savings and loans closed in local minority neighborhoods. Faith attained self-sufficiency a year after acquiring its community charter.¹⁴⁴

• Branches: Faith Community United Credit Union (Cleveland, Ohio)⁵⁹

• ATMs: N/A

• States: Ohio⁵⁹

• Services: Deposit services, loan services, and insurance¹⁴⁵ ¹⁴⁶ ¹⁴⁷

• Assets: $14.035 million¹⁴⁸

• Availability: Online and brick-and-mortar⁵⁹ ¹⁴⁹

Faith Cooperative Credit Union

The story of the Faith Cooperative Credit Union is a tale of two different organizations. St. John Federal Credit Union was founded in 1959. It became known as the Faith Cooperative Credit Union after it was integrated with the Friendship-West Baptist Church's vision of a micro loan bank.¹⁵⁰

• Branches: Administrative Offices (Dallas, Texas)⁶⁸

• ATMs: One located "near the Banquet Hall"¹⁵¹

• States: Texas⁶⁸

• Services: Savings, loans, and gap protection¹⁵² ¹⁵³

• Assets: $1.528 million¹⁵⁴

• Availability: Online and brick-and-mortar⁶⁸ ¹⁵⁵

FAMU Federal Credit Union

On May 8, 1935, six individuals were convinced to deposit $50 to acquire a federal credit union charter, resulting in the founding of the Florida A&M College Employees Federal Credit Union. By 1953, the organization renamed to Florida A&M University Federal Credit Union due to its location on the FAMU campus.¹⁵⁶

• Branches: Office (Tallahassee, Fla.)³²

• ATMs: One located in the "first drive-thru lane" as well as any ATMs that are part of the American Express, CULIANCE, The Exchange, Honors, Member Access, Plus, Presto, Publix, Walmart, and "other Credit Unions with the participating listed networks"¹⁵⁷

• States: Florida¹⁵⁶

• Services: Accounts (checking, savings, IRA), Rattler debit and VISA credit cards, loans, wire transfers, and other services (notary services, bill payments, etc.)¹⁵⁸

• Assets: $20.24 million¹⁵⁹

• Availability: Online and brick-and-mortar³² ¹⁶⁰

First Independence Bank

In business since May 11, 1970, the First Independence Bank has served the Detroit Metropolitan area for 50 years. First Independence is the sole African American‐owned bank headquartered in Michigan, in addition to being one of two banks headquartered in Detroit.¹⁶¹

• Branches: Clinton Township Branch (Clinton Township, Mich.), Main Office Branch (Detroit, Mich.), and Seven Mile Branch (Detroit, Mich.)⁴⁸

• ATMs: Garfield Branch (Clinton Township, Mich.), 1st Floor International Building (Detroit, Mich.), City County Building (Detroit, Mich.), Livernois (Detroit, Mich.), and Main Office Branch (Detroit, Mich.), Seven Mile Branch (Detroit, Mich.), in addition to "any nationwide ... Fifth Third, TCF, or Chemical Bank ATM ... in the Metro Detroit area"¹⁶²

• States: Michigan⁴⁸

• Services: Consumer and business services, in addition to loans¹⁶³ ¹⁶⁴

• Assets: $265.354 million¹⁶⁵

• Availability: Online and brick-and-mortar⁴⁸ ¹⁶⁶

First Legacy Community Credit Union

The School Workers Federal Credit Union was founded by a group of educators in Feb. 14, 1941. Originally, the institution that eventually became First Legacy Community only offered a savings and loan program; today it offers a much wider selection of financial services.¹⁶⁷

• Branches: First Legacy Community Credit Union (Charlotte, N.C.)⁵⁷

• ATMs: Part of the CO-OP/Covera ATM network¹⁶⁸

• States: North Carolina⁵⁷

• Services: Checking, savings, loans, and other services (quarterly statements, NADA auto valuations, etc.)¹⁶⁸

• Assets: $29.331 million¹⁶⁹

• Availability: Online and brick-and-mortar⁵⁷ ¹⁶⁸

First Security Bank

The Security Trust and Savings Bank first opened for business in 1903. Twenty-six years later, it merged with the First National Bank of Charles City, creating the First Security Bank & Trust.¹⁷⁰

• Branches: Aredale (Aredale, Iowa), Charles City Branch (Charles City, Iowa), Dumont Branch (Dumont, Iowa), Hampton Branch (Hampton, Iowa), Ionia Branch (Ionia, Iowa), Manly Branch (Manly, Iowa), Marble Rock Branch (Marble Rock, Iowa), Nora Springs Branch (Nora Springs, Iowa), Riceville Branch (Riceville, Iowa), Rockford Branch (Rockford, Iowa), Rockwell Branch (Rockwell, Iowa), Rudd Branch (Rudd, Iowa), and Thornton Branch (Thornton, Iowa)⁴¹

• ATMs: Charles City Branch (Charles City, Iowa), Manly Branch (Manly, Iowa), Marble Rock Branch (Marble Rock, Iowa), Nora Springs Branch (Nora Springs, Iowa), Riceville Branch (Riceville, Iowa), Rockford Branch (Rockford, Iowa), Rockwell Branch (Rockwell, Iowa), and Thornton Branch (Thornton, Iowa)⁴¹

• States: Iowa⁴¹

• Services: Personal (checking, savings, etc.), business (checking, savings, etc.), and lending (personal & auto loans, mortgage & home equity etc.)¹⁷¹ ¹⁷² ¹⁷³

• Assets: $500 million¹⁷⁰

• Availability: Online and brick-and-mortar⁴¹ ¹⁷⁴

GN Bank

In 1934—after working closely with the Federal Home Loan Bank of Chicago—13 African American men founded Illinois Service Federal to provide a savings and loan association for Black Chicagoans. The institution was acquired by Groupe Ndoum in 2016, which led to its name change to GN Bank in 2018.¹⁷⁵

• Branches: Main Branch (Chicago, Ill.) and Chatham Office (Chicago, Ill.)³⁸

• ATMs: Main Branch (Chicago, Ill.) and Chatham Office (Chicago, Ill.), in addition to any ATMs in the STAR network.¹⁷⁶

• States: Illinois³⁸

• Services: Personal (checking, savings, and credit cards) and small business services (checking, lending, credit cards)¹⁷⁷

• Assets: $133 million¹⁷⁵

• Availability: Online and brick-and-mortar³⁸ ¹⁷⁸

Greater Kinston Credit Union

The Greater Kinston Credit Union was founded in 1952 and provides a variety of loans and deposit accounts.¹⁷⁹ People who live, work, worship, or attend functions in the Lenoir, Greene, Jones, Craven, and Pitt counties are eligible for membership.¹⁸⁰

• Branches: Branch Office (Kinston, N.C.)⁵⁸

• ATMs: Part of the CashPoints network¹⁸¹

• States: North Carolina⁵⁸

• Services: Debit and credit cards; deposit (checking, savings, etc.), non-profit, and youth accounts; mortgage and personal lending; and other services (automated services, branch services, etc.)¹⁸²

• Assets: $11.624 million¹⁸³

• Availability: Online and brick-and-mortar¹⁸²

Hill District Federal Credit Union

The Hill District Federal Credit Union got its start in 1970 and has provided financial services to its members for 50 years.⁶² People who live, work, or worship in the Hill District—as well as members of an organization that provides economic assistance in the same area—are eligible to join this institution.¹⁸⁴

• Branches: Hill District Federal Credit Union (Pittsburgh, Pa.)⁶²

• ATMs: N/A

• States: Pennsylvania⁶²

• Services: Debit and gift cards, savings, checking, loans, other services (money orders, financial literacy classes, etc.)¹⁸⁵

• Assets: $5.61 million¹⁸⁶

• Availability: Online and brick-and-mortar⁶² ¹⁸⁵

Hope Credit Union

In 1995, members of the Anderson United Methodist Church organized the Hope Federal Credit Union to help low-income Jackson, Miss., residents with asset development, cooperation, and self-empowerment. Hope has since spread across the Deep South through its sponsors and by merging with other financial organizations, with the most recent being the Tri-Rivers Federal Credit Union in 2007.¹⁸⁷ In June 2020, Netflix invested $10 million into Hope as part of its $100 million initiative to support economic opportunities for Black communities.¹⁸⁸

• Branches: Arba Street Branch (Montgomery, Ala.), McGehee Road Branch (Montgomery, Ala.), College Station Branch (College Station, Ark.), Little Rock Branch (Little Rock, Ark.), Pine Bluff Branch (Pine Bluff, Ark.), West Memphis Branch (West Memphis, Ark.), Central City Branch (New Orleans, La.), Elysian Fields Branch (New Orleans, La.), Michoud Assembly Facility Branch (New Orleans, La.), Mississippi Coast Branch (Biloxi, Miss.), Drew Branch (Drew, Miss.), Greenville Branch (Greenville, Miss.), Itta Bena Branch (Itta Bena, Miss.), Medical Mall Branch (Jackson, Miss.), University Boulevard Branch (Jackson, Miss.), Louisville Branch (Louisville, Miss.), Macon Branch (Macon, Miss.), Moorhead Branch (Moorhead, Miss.), Robinsonville Branch (Robinsonville, Miss.), Shaw Branch (Shaw, Miss.), Terry MS Branch (Terry, Miss.), Utica Branch (Utica, Miss.), West Point Branch (West Point, Miss.), Jackson Branch (Jackson, Tenn.), Crosstown Branch (Memphis, Tenn.), Harvester Lane Branch (Memphis, Tenn.), Madison Avenue Branch (Memphis, Tenn.), and Ridgeway Branch (Memphis, Tenn.), in addition to any credit unions in the Shared Branching network.²⁸

• ATMs: Pine Bluff Branch (Pine Bluff, Ark.), West Memphis Branch (West Memphis, Ark.), Central City Branch (New Orleans, La.), Elysian Fields Branch (New Orleans, La.), Mississippi Coast Branch (Biloxi, Miss.), Drew Branch (Drew, Miss.), Greenville Branch (Greenville, Miss.), Medical Mall Branch (Jackson, Miss.), University Boulevard Branch (Jackson, Miss.), Robinsonville Branch (Robinsonville, Miss.), Shaw Branch (Shaw, Miss.), Terry MS Branch (Terry, Miss.), Jackson Branch (Jackson, Tenn.), Harvester Lane Branch (Memphis, Tenn.), Madison Avenue Branch (Memphis, Tenn.), and Ridgeway Branch (Memphis, Tenn.)²⁸

• States: Alabama, Arkansas, Louisiana, Mississippi, and Tennessee²⁸

• Services: Personal (checking and wealth building accounts, personal loans, credit cards, etc.) and business (checking and loans) banking, in addition to transformational deposits¹⁸⁹

• Assets: $177.5 million¹⁹⁰

• Availability: Online and brick-and-mortar²⁸

Howard University Employees Federal Credit Union

Originally chartered on Oct. 11, 1935, the Howard University Employees Federal Credit Union provides financial services to employees of Howard University and their family members.¹⁹¹ Those who join Howard University Employees FCU have a lifetime membership.¹⁹²

• Branches: C B Powell Building (Washington D.C.)³¹

• ATMs: Part of the CO-OP and CU Here networks¹⁹³

• States: Washington D.C.³¹

• Services: Accounts (savings, checking, etc.) and loans¹⁹⁴ ¹⁹⁵

• Assets: $10 million¹⁹¹

• Availability: Online (home loans only) and brick-and-mortar³¹ ¹⁹⁶

Industrial Bank

Industrial Bank first opened on Aug. 20, 1934, and is one of the larger Black-owned banks in the U.S.¹⁹⁷ In addition to a wide variety of financial services, Industrial Bank also offers free financial education programs.¹⁹⁸

• Branches: Harlem Banking Center (New York City, N.Y.), Bergen Street Banking Center (Newark, N.J.), Halsey Street Banking Center (Newark, N.J.), Anacostia Gateway Banking Center (Washington D.C.), F Street Banking Center (Washington D.C.), Forestville Banking Center (Washington D.C.), Georgia Avenue Banking Center (Washington D.C.), J.H. Mitchell Banking Center (Washington D.C.), Oxon Hill Banking Center (Washington D.C.), and U Street Banking Center (Washington D.C.)³⁰

• ATMs: Harlem Office (New York City, N.Y.), Bergen Street Office (Newark, N.J.), Halsey Street Office (Newark, N.J.), Anacostia Gateway Office (Washington D.C.), Ben's Chili Bowl (Washington D.C.), DC Court of Appeals (Washington D.C.), DC Superior Court (2) (Washington D.C.), F Street Office (Washington D.C.), Forestville Office (Washington D.C.), Georgia Avenue Office (Washington D.C.), J.H. Mitchell Office (Washington D.C.), Nationals Park (Washington D.C.), Oxon Hill Office (Washington D.C.), and U Street Office (Washington D.C.), in addition to any ATMs in the Allpoint network³⁰ ¹⁹⁹

• States: New Jersey, New York, and Washington D.C.³⁰

• Services: Personal (loans, checking, etc.) and business (services, loans, etc.) services²⁰⁰ ²⁰¹

• Assets: $432 million¹⁹⁷

• Availability: Online and brick-and-mortar³⁰ ²⁰²

Liberty Bank

Liberty Bank was originally chartered in New Orleans in 1972. After acquiring the United Bank and Trust Company in 2009, its service grew across the Greater New Orleans area. Liberty Bank is the second-largest Black-owned bank in physical footprint, with branches in eight states.⁹

• Branches: Montgomery Liberty Bank (Montgomery, Ala.), Tuskegee Liberty Bank (Tuskegee, Ala.), Liberty Bank Forest Park (Forest Park, Ill.), Kansas City Liberty Bank (Kansas City, Kan.), Louisville Liberty Bank (Louisville, Ky.), Southdowns Liberty Bank (Baton Rouge, La.), Southern Heights Liberty Bank (Baton Rouge, La.), Canal Street Liberty Bank (New Orleans, La.), Crowder Blvd Liberty Bank (New Orleans, La.), Franklin Ave Liberty Bank (New Orleans, La.), General DeGaulle Liberty Bank (New Orleans, La.), Gentilly Blvd Liberty Bank (New Orleans, La.), Woodward Ave Liberty Bank (Detroit, Mich.), Jackson Liberty Bank (Jackson, Miss.), and Kansas City Liberty Bank (Kansas City, Mo.)²⁰³

• ATMs: Montgomery Liberty Bank (Montgomery, Ala.), Tuskegee Liberty Bank (Tuskegee, Ala.), Liberty Bank Forest Park (Forest Park, Ill.), 4850 State Street (Kansas City, Kan.), Southdowns Liberty Bank (Baton Rouge, La.), Southern Heights Liberty Bank (Baton Rouge, La.), 910-B Decatur Street (New Orleans, La.), 2800 Gravier Street (New Orleans, La.), American Can (New Orleans, La.), Canal Street Liberty Bank (New Orleans, La.), City Hall (New Orleans, La.), Crowder Blvd Liberty Bank (New Orleans, La.), Dillard - Rosenwald Hall (New Orleans, La.), Franklin Rouses (New Orleans, La.), French Market (New Orleans, La.), General DeGaulle Liberty Bank (New Orleans, La.), Gentilly Blvd Liberty Bank (New Orleans, La.), Lafon Nursing Facility (New Orleans, La.), Lockheed Martin Buildings 102 & 350 (New Orleans, La.), Orleans Sheriff (New Orleans, La.), Xavier University (2) (New Orleans, La.), Jackson Evers International Airport (Jackson, Miss.), Jackson Liberty Bank (Jackson, Miss.), Student Center (Jackson, Miss.), Tougaloo College (Jackson, Miss.), and Union Station (Jackson, Miss.)²⁰³

• States: Alabama, Illinois, Kansas, Kentucky, Louisiana, Michigan, Mississippi, and Missouri²⁰³

• Services: Personal (checking, savings, etc.), business (checking, savings, etc.), and institutional (cash management, corporate financing, etc.) services²⁰⁴

• Assets: $624.159 million²⁰⁵

• Availability: Online and brick-and-mortar²⁰³ ²⁰⁶

Mechanics & Farmers Bank

Founded in 1907 by nine businessmen, the Mechanics & Farmers Bank is a state-chartered commercial bank. By 1935, M&F Bank became the first lending institution in North Carolina to receive FHA certification. Mechanics & Farmers merged with Fraternal Bank & Trust in 1921 and acquired Mutual Community Savings Bank in 2008.²⁰⁷

• Branches: Charlotte (Charlotte, N.C.), Corporate Headquarters (Durham, N.C.), Durham Branch – Durham-Chapel Hill Boulevard (Durham, N.C.), Greensboro (Greensboro, N.C.), Raleigh Branch – Rock Quarry Road (Raleigh, N.C.), Winston-Salem (Winston-Salem, N.C.)⁵⁶

• ATMs: Durham Branch (Durham, N.C.) and Raleigh Branch – East Hargett Street (Raleigh, N.C.)⁵⁶

• States: North Carolina⁵⁶

• Services: Personal (checking and savings accounts, loans, etc.) and business (commercial checking and savings, loans, etc.) services, in addition to wealth management²⁰⁸ ²⁰⁹

• Assets: $264.373 million²¹⁰

• Availability: Online and brick-and-mortar⁵⁶ ²¹¹

Metro Bank

Metro Bank first opened its doors in 1989, with 10 employees operating out of a temporary modular unit in Pell City. Today, it has 175 employees among its nine branches.²¹² Metro Bank is one of the three banks that are considered "Black operated," rather than Black owned.³

• Branches: Ashville Office (Ashville, Ala.), Heflin Office (Heflin, Ala.), Lincoln Office (Lincoln, Ala.), Moody Office (Moody, Ala.), Main Office (Pell City, Ala.), North Office (Pell City, Ala.), South Office (Pell City, Ala.), Ragland Office (Ragland, Ala.), Southside Office (Southside, Ala.)²⁷

• ATMs: Ashville Office (Ashville, Ala.), Heflin Office (Heflin, Ala.), Lincoln Office (Lincoln, Ala.), Main Office (Pell City, Ala.), Moody Office (Moody, Ala.), North Office (Pell City, Ala.), Odenville ATM (Odenville, Ala.) South Office (Pell City, Ala.), Ragland Office (Ragland, Ala.), Southside Office (Southside, Ala.)²⁷

• States: Alabama²⁷

• Services: Personal (checking, savings, etc.), business (checking, savings, etc.), and other services (loans, insurance, etc.)²¹³

• Assets: $777,085²¹⁴

• Availability: Online and brick-and-mortar²⁷ ²¹⁵

Mount Olive Baptist Church Federal Credit Union

It received its Federal Charter on Oct. 21, 1997. The Mount Olive Baptist Church Federal Credit Union is a faith-based, not-for-profit financial institution.²¹⁶ Mount Olive Baptist Church members and their immediate families are eligible to join this organization.²¹⁷

• Branches: Mount Olive Baptist Church FCU (Dallas, Texas)⁶⁹

• ATMs: N/A

• States: Texas⁶⁹

• Services: Loans (auto, unsecured, etc.), savings accounts, direct deposits, and wire transfers²¹⁸ ²¹⁹ ²²⁰ ²²¹

• Assets: $7.609 million²²²

• Availability: Online and brick-and-mortar⁶⁹ ²²³

Oak Cliff Christian Federal Credit Union

Officially chartered on Sept. 22, 2008, the Oak Cliff Christian Federal Credit Union is a Christian-based financial institution sponsored by the Oak Cliff Bible Fellowship. Members, employees, students, or family of the Oak Cliff Bible Fellowship (and its subsidiaries) are eligible to join the organization.²²⁴

• Branches: Oak Cliff Christian FCU (Dallas, Texas)⁷⁰

• ATMs: N/A

• States: Texas⁷⁰

• Services: Loans, financial products (IRAs, money market, etc.), direct deposit, money orders, and credit reports²²⁵ ²²⁶ ²²⁷

• Assets: $6.343 million²²⁸

• Availability: Online and brick-and-mortar⁷⁰ ²²⁷

Omega Psi Phi Fraternity Federal Credit Union

Founded in 1986, the Omega Psi Phi Fraternity Federal Credit Union is open to members of the fraternity, including its chapters, districts, and other related organizations, and their families, in addition to employees of both the fraternity and credit union itself.²²⁹ ²³⁰

• Branches: Omega Psi Phi Fraternity Federal Credit Union c/o CAMO (Toccoa, Ga.)³⁷

• ATMs: N/A

• States: Georgia³⁷

• Services: Accounts (single, joint, etc.), share draft checking, loans, and credit cards²³¹

• Assets: $1.957 million²³²

• Availability: Online and brick-and-mortar³⁷ ²³³

OneUnited Bank

OneUnited Bank was the first online-only Black-owned bank and is the largest Black-owned bank in the U.S. Originally founded in 1968 as Unity Bank and Trust Company, OneUnited has financed more than $100 million in loans thus far, predominantly in low- to moderate-income communities.⁷⁶ ²³⁴

"Everyone is talking about OneUnited Bank now, but what they’re not focusing on with OneUnited Bank is they’re heavily engaged in financial education and financial literacy in the cities that need it most," Tyrone Ross, community director of Altruist, explains. "So I feel like right now, when you support OneUnited, again you get those end roads into their programs they already have instituted to provide access to financial education and financial literacy."

• Branches: Compton Branch (Coming Soon) (Compton, Cali.), Corporate Office and Crenshaw Branch (Los Angeles, Cali.), Miami Branch (Miami, Fla.), Corporate Headquarters (Boston, Mass.), and Roxbury Branch (Roxbury, Mass.)²¹

• ATMs: Part of the MoneyPass network²¹

• States: California, Florida, and Massachusetts²¹

• Services: Checking, savings, and secured VISA credit card²³⁵ ²³⁶ ²³⁷

• Assets: $650 million²³⁸

• Availability: Online and brick-and-mortar²¹ ²³⁹

OPTUS Bank

The story of OPTUS began in 1921, with the founding of the Victory Savings Bank by a group of African American leaders. OPTUS is committed to helping anyone, regardless of background or situation, build their wealth and improve their lives.²⁴⁰

• Branches: Main Branch (Columbia, S.C.)⁶³

• ATMs: Beltline Branch (Columbia, S.C.), Corporate Office (Columbia, S.C.), Main Branch (Columbia, S.C.)⁶³

• States: South Carolina⁶³

• Services: Personal (IRA accounts, consumer loans, etc.) and business (transaction accounts, merchant services, etc.) banking²⁴¹

• Assets: $90,851²⁴²

• Availability: Online and brick-and-mortar⁶³

South Side Community Federal Credit Union

Since 2004, the South Side Community Federal Credit Union has offered access to credit and savings services for its members, in addition to financial education.²⁴³ ²⁴⁴ Individuals are eligible for membership if they live, work, worship, attend school, or belong to an organization that is within Chicago’s South Side.²⁴⁵

• Branches: South Side Community Federal Credit Union (Chicago, Ill.)⁴⁰

• ATMs: N/A

• States: Illinois⁴⁰

• Services: Accounts (savings, checking, etc.), loans (payroll advance, payday alternative, etc.), financial education classes, and other services (transfer sweeps, money orders, etc.)²⁴⁶ ²⁴⁷ ²⁴⁸ ²⁴⁹

• Assets: $4.35 million²⁵⁰

• Availability: Online and brick-and-mortar⁴⁰ ²⁵¹

Southern Teachers & Parents Federal Credit Union

With more than 80 years of service, Southern Teachers & Parents Federal Credit Union provides personalized financial services to its members.²⁵² Those eligible for membership include alumni, employees, parents, and students of Southern University; employees in Assumption, East Baton Rouge, Lafourche, and West Feliciana parishes; employees in Thibodaux and the Lafourche Parish Juvenile Justice Facility; and their family members.²⁵³

• Branches: Main Office (Baton Rouge, La.) and Lafeda Branch (Thibodaux, La.)⁴⁶

• ATMs: Part of the CU Alliance network²⁵⁴

• States: Louisiana⁴⁶

• Services: Accounts (checking, savings, and youth), loans, other services (VISA debit and credit cards, financial counseling, etc.)²⁵⁵ ²⁵⁶

• Assets: $28.22 million²⁵⁷

• Availability: Online and brick-and-mortar⁴⁶ ²⁵⁸

St. Louis Community Credit Union

Originally chartered in 1942 as the Teachers Credit Union, St. Louis Community Credit Union offers both financial services and several programs to support consumers in the local community.²⁵⁹ Individuals who live or work in St. Louis City, Franklin, and St. Louis county in Missouri—as well as in the St. Clair, Madison, Monroe, and Jersey counties in Illinois—are eligible for membership, in addition to their families.²⁶⁰

• Branches: Ferguson Branch (Ferguson, Mo.), Florissant Branch (Florissant, Mo.), Flower Valley Branch (Florissant, Mo.), Pagedale Branch (Pagedale, Mo.), Richmond Heights (Richmond Heights, Mo.), St. John Branch (St. John), Benton Park Branch (St. Louis, Mo.), Gateway Branch (St. Louis, Mo.), Grace Hill (St. Louis, Mo.), Jennings Branch (St. Louis, Mo.), LifeWise STL (St. Louis, Mo.), Midtown Branch (St. Louis, Mo.), South City (St. Louis, Mo.), Southtown Branch (St. Louis, Mo.), Sullivan Branch (St. Louis, Mo.), University City (University City, Mo.), MET Center (Wellston, Mo.)⁵²

• ATMs: Part of the CO-OP network²⁶¹

• States: Missouri⁵²

• Services: Loans (auto, personal, etc.), accounts (savings and checking), business development, advocacy, and insurance (life, AD&D, etc.)²⁶² ²⁶³ ²⁶⁴ ²⁶⁵ ²⁶⁶

• Assets: $285 million²⁶⁷

• Availability: Online and brick-and-mortar⁵² ²⁶⁸

The Harbor Bank of Maryland

Originally opening its doors in Sept. 1982, the Harbor Bank of Maryland offers banking and other financial services, primarily in the Baltimore metropolitan area. Harbor Bank was also the first community bank in the U.S. to have an investment subsidiary and the first to receive funding from Fannie Mae via the Community Development Financial Institution (CDFI) program.²⁶⁹ Harbor Bank is one of the three banks that are considered "Black operated," instead of Black owned.³

• Branches: Inner Harbor East Office (Baltimore, Md.), Main Office (Baltimore, Md.), Pimlico Office (Baltimore, Md.), Research Park Office (Baltimore, Md.), The Harbor Science & Technology Park East Branch (Baltimore, Md.), Randallstown Office (Randallstown, Md.), and Silver Spring (Silver Spring, Md.)⁴⁷

• ATMs: Inner Harbor East Office (Baltimore, Md.), Main Office (Baltimore, Md.), Pimlico Office (Baltimore, Md.), Research Park Office (Baltimore, Md.), The Harbor Science & Technology Park East Branch (Baltimore, Md.), Randallstown Office (Randallstown, Md.), and Silver Spring (Silver Spring, Md.), in addition to any ATMS in the AllPoint network²⁷⁰

• States: Maryland⁴⁷

• Services: Personal (checking, mortgages, etc.) and business (checking, savings, etc.) banking, in addition to loans (personal, mortgage, and business)²⁷¹

• Assets: $282.193 million²⁷²

• Availability: Online and brick-and-mortar²⁷³

Toledo Urban Federal Credit Union

Toledo Urban Federal Credit Union originally opened its doors on July 21, 1996, to help its members achieve economic empowerment. Membership in Toledo's first community development credit union is available to individuals who live, work, worship, perform volunteer services, or participate in associations headquartered in the central city community, in addition to their families.²⁷⁴

• Branches: Nexus Building (Toledo, Ohio) and Toledo Urban Federal Credit Union (Toledo, Ohio)⁶⁰

• ATMs: N/A

• States: Ohio⁶⁰

• Services: Checking and share accounts, loans (personal, tuition, etc.), credit and ATM/debit cards, credit counseling, and other services (notary service, overdraft protection, etc.)²⁷⁵

• Assets: $6 million²⁷⁴

• Availability: Online and brick-and-mortar⁶⁰ ²⁷⁶

Tri-State Bank

In the first 10 years after its founding in 1946, Tri-State Bank of Memphis made more than $10 million in first mortgage loans on homes, representing home ownership for more than 2,000 African American families. Tri-State has also played a critical part in the civil rights movement, including hosting local sit-ins in the bank's boardroom, providing bail money for protesters, and providing $60,000 in loans to help save the Lorraine Motel, the site of Dr. Martin Luther King's assassination, from foreclosure in 1982.²⁷⁷

• Branches: Whitehaven (Memphis, Tenn.)⁶⁷

• ATMs: Whitehaven (Memphis, Tenn.) and any ATMs in the Money Tower network⁶⁷

• States: Tennessee⁶⁷

• Services: Personal (checking, savings, etc.), business (checking, savings, etc.), loans (auto, mortgage, etc.), and other services (financial education, Fraud Center, etc.)²⁷⁸

• Assets: $111 million²⁷⁷

• Availability: Online and brick-and-mortar⁶⁷ ²⁷⁹

United Bank of Philadelphia

Originally founded in 1992, United Bank of Philadelphia offers personalized banking services in the Greater Philadelphia area to both individuals and businesses.²⁸⁰ By providing financing to small businesses in urban areas, United Bank supports their growth and allows them to create jobs with livable wages, thus improving the economic condition of those working in the local community.²⁸¹

• Branches: Center City (Philadelphia, Pa.) and Progress Plaza (Philadelphia, Pa.)⁶¹

• ATMs: C-Town Supermarket (Philadelphia, Pa.), City Hall (Philadelphia, Pa.), Criminal Justice Center (Philadelphia, Pa.), Masjidullah Inc. (Philadelphia, Pa.), Philadelphia Traffic Court (Philadelphia, Pa.), Police Districts (Philadelphia, Pa.), Revolutions at Penn Treaty (Philadelphia, Pa.), The Fillmore-Philadelphia (Philadelphia, Pa.), and West Philadelphia (Philadelphia, Pa.)⁶¹

• States: Pennsylvania⁶¹

• Services: Personal and business banking (checking, savings, etc.), in addition to loans (SBA and commercial loans)²⁸²

• Assets: $45.547 million²⁸³

• Availability: Online and brick-and-mortar⁶¹ ²⁸⁴

Unity National Bank

The bank was founded in 1963 and chartered in 1985. "In February 1989, through a series of transactions and diligent efforts, it was acquired from Bay Bancshares by local minority leaders," the bank's history reports. Unity focuses on helping to rebuild the community with an emphasis on commercial loans and mortgages. It also works closely with civic organizations and agencies, such as the NAACP and the Third Ward Redevelopment Council.²⁸⁵

• Branches: Atlanta (Atlanta, Ga.) Blodgett (Houston, Texas), and Fort Bend (Missouri City, Texas)³⁴

• ATMs: Atlanta (Atlanta, Ga.) Blodgett (Houston, Texas), and Fort Bend (Missouri City, Texas), in addition to any ATMs in the Select network²⁸⁶

• States: Georgia and Texas³⁴

• Services: Business and personal services (loans, checking and savings accounts, etc.)²⁸⁷

• Assets: $107.905 million²⁸⁸

• Availability: Online and brick-and-mortar³⁴ ²⁸⁹

Urban Upbound Federal Credit Union

Urban Upbound was founded in 2004, to provide five integrated programs to individuals living in public housing and and other low- and moderate-income neighborhoods.²⁹⁰ The Urban Upbound Federal Credit Union offers affordable financial services to its members.²⁹¹

• Branches: Urban Upbound Federal Credit Union (Long Island City, N.Y.)⁵⁵

• ATMs: N/A

• States: New York⁵⁵

• Services: Savings, share certificates, as well as personal and small business loans²⁹²

• Assets: $1.06 million²⁹³

• Availability: Online and brick-and-mortar⁵⁵

Virginia State University Federal Credit Union

Authority to establish the Virginia State College Federal Credit Union was granted on Oct. 19, 1938. On May 22, 1979, the organization's board of directors voted to change the name to the Virginia State University Federal Credit Union.²⁹⁴

• Branches: Virginia State University Federal Credit Union (South Chesterfield, Va.)⁷¹

• ATMs: Virginia State University Federal Credit Union (South Chesterfield, Va.)²⁹⁵

• States: Virginia⁷¹

• Services: Loans, accounts (checking, savings, etc.), insurance, and other services (wire transfer, direct deposit, etc.)²⁹⁶ ²⁹⁷ ²⁹⁸

• Assets: $9.09 million²⁹⁹

• Availability: Online and brick-and-mortar⁷¹ ³⁰⁰

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108. Carver State Bank. "Savings Accounts." Accessed June 24, 2020.

109. Carver State Bank. "Business Checking." Accessed June 24, 2020.

110. Carver State Bank. "Loans." Accessed June 24, 2020.

111. Carver State Bank. "Development Programs." Accessed June 24, 2020.

112. Carver State Bank. "Services." Accessed June 24, 2020.

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114. Carver State Bank. "Enroll." Accessed June 24, 2020.

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118. Citizens Bank. "Online Banking." Accessed June 24, 2020.

119. Citizens Trust Bank. "COMMUNITY." Accessed June 30, 2020.

120. Citizens Trust Bank. "BANKING." Accessed June 30, 2020.

121. Citizens Trust Bank. "BORROWING." Accessed June 30, 2020.

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126. Commonwealth National Bank. "ATM Locations." Accessed June 24, 2020.

127. Commonwealth National Bank. "Consumer Services." Accessed June 24, 2020.

128. Commonwealth National Bank. "Business Services." Accessed June 24, 2020.

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132. Community Owned Federal Credit Union. "Products & Services." Accessed June 24, 2020.

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136. CUA: Credit Union of Atlanta. "Surcharge-Free ATMs." Accessed June 30, 2020.

137. CUA: Credit Union of Atlanta. "Personal Savings." Accessed June 30, 2020.

138. CUA: Credit Union of Atlanta. "Business Checking." Accessed June 30, 2020.

139. CUA: Credit Union of Atlanta. "Credit Builder Loans." Accessed June 30, 2020.

140. CUA: Credit Union of Atlanta. "Personal Loans." Accessed June 30, 2020.

141. CUA: Credit Union of Atlanta. "Payment Protection." Accessed June 30, 2020.

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143. CUA: Credit Union of Atlanta. "Digital Banking." Accessed June 30, 2020.

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145. Faith Community United Credit Union. "Deposit Services." Accessed June 24, 2020.

146. Faith Community United Credit Union. "Loan Services." Accessed June 24, 2020.

147. Faith Community United Credit Union. "Insurance." Accessed June 24, 2020.

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149. Faith Community United Credit Union. "Online Services." Accessed June 24, 2020.

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151. Faith Cooperative Federal Credit Union. "FAQ." Accessed June 24, 2020.

152. Faith Cooperative Federal Credit Union. "Products." Accessed June 24, 2020.

153. Faith Cooperative Federal Credit Union. "Gap Protection." Accessed June 24, 2020.

154. iBanknet. "FAITH COOPERATIVE FEDERAL CREDIT UNION." Accessed June 30, 2020.

155. Faith Cooperative Federal Credit Union. "FaithCFCU@Home." Accessed June 25, 2020.

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157. FAMU Federal Credit Union. "Debit Card & ATM Locations." Accessed June 25, 2020.

158. FAMU Federal Credit Union. "Services." Accessed June 25, 2020.

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160. FAMU Federal Credit Union. "Home Banking." Accessed June 25, 2020.

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162. First Independence Bank. "ATM Locations." Accessed June 25, 2020.

163. First Independence Bank. "Consumer Services." Accessed June 25, 2020.

164. First Independence Bank. "Business Services." Accessed June 25, 2020.

165. iBanknet. "First Independence Bank." Accessed June 30, 2020.

166. First Independence Bank. "Online Banking." Accessed June 25, 2020.

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168. First Legacy Community Credit Union. "PRODUCTS & SERVICES." Accessed June 25, 2020.

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170. First Security. "Our History." Accessed July 20, 2020.

171. First Security. "Personal." Accessed July 20, 2020.

172. First Security. "Business." Accessed July 20, 2020.

173. First Security. "Lending." Accessed July 20, 2020.

174. First Security. "Online Services." Accessed July 20, 2020.

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176. GN Bank. "ATMs." Accessed June 25, 2020.

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178. GN Bank. "Online Banking." Accessed June 25, 2020.

179. Greater Kinston Credit Union. "Our Mission." Accessed June 25, 2020.

180. Greater Kinston Credit Union. "Membership Eligibility." Accessed June 25, 2020.

181. Greater Kinston Credit Union. "CashPoints® ATM." Accessed June 25, 2020.

182. Greater Kinston Credit Union. "We are proud." Accessed June 25, 2020.

183. iBanknet. "GREATER KINSTON CREDIT UNION." Accessed June 30, 2020.

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185. Hill District Federal Credit Union. "SERVICES." Accessed June 25, 2020.

186. Credit Unions Online. "Hill District Federal Credit Union." Accessed June 30, 2020.

187. Hope Credit Union Enterprise Corporation. "Hope Credit Union." Accessed July 14, 2020.

188. Hope Credit Union Enterprise Corporation. "Netflix Invests $10 Million in HOPE to Build Economic Opportunity in Black Communities." Accessed July 14, 2020.

189. Hope Credit Union Enterprise Corporation. "Transformational Deposits." Accessed July 14, 2020.

190. Hope Credit Union Enterprise Corporation. "Management Discussion and Analysis," Page 1. Accessed July 14, 2020.

191. Howard University Employees Federal Credit Union. "About Us." Accessed June 25, 2020.

192. Howard University Employees Federal Credit Union. "Membership." Accessed June 25, 2020.

193. Howard University Employees Federal Credit Union. "ATM Locations." Accessed June 25, 2020.

194. Howard University Employees Federal Credit Union. "Accounts." Accessed June 25, 2020.

195. Howard University Employees Federal Credit Union. "Loans." Accessed June 25, 2020.

196. Howard University Employees Federal Credit Union. "Apply For a Home Loan." Accessed June 25, 2020.

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198. Industrial Bank. "Financial Education." Accessed June 25, 2020.

199. Industrial Bank. "Industrial's ATM Locations." Accessed June 25, 2020.

200. Industrial Bank. "PERSONAL." Accessed June 25, 2020.

201. Industrial Bank. "BUSINESS." Accessed June 25, 2020.

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203. Liberty Bank. "Branch Locations." Accessed June 25, 2020.

204. Liberty Bank. "There's Freedom Here." Accessed June 25, 2020.

205. iBanknet. "Liberty Bank and Trust Company." Accessed June 30, 2020.

206. Liberty Bank. "Small Business and Personal Online Banking." Accessed June 25, 2020.

207. M&F Bank. "Our Mission." Accessed June 25, 2020.

208. M&F Bank. "Covering North Carolina." Accessed June 25, 2020.

209. M&F Bank. "Wealth Management." Accessed June 25, 2020.

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211. M&F Bank. "Enroll." Accessed June 25, 2020.

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217. Mount Olive Baptist Church Federal Credit Union. "Become A Member." Accessed June 29, 2020.

218. Mount Olive Baptist Church Federal Credit Union. "Loan Products." Accessed June 29, 2020.

219. Mount Olive Baptist Church Federal Credit Union. "Share Savings Accounts." Accessed June 29, 2020.

220. Mount Olive Baptist Church Federal Credit Union. "Direct Deposits (ACH)." Accessed June 29, 2020.

221. Mount Olive Baptist Church Federal Credit Union. "Wire Transfer Services." Accessed June 29, 2020.

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225. Oak Cliff Christian Federal Credit Union. "Loans." Accessed June 29, 2020.

226. Oak Cliff Christian Federal Credit Union. "Products." Accessed June 29, 2020.

227. Oak Cliff Christian Federal Credit Union. "Our Services." Accessed June 29, 2020.

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229. Credit Unions Online. "Omega Psi Phi Fraternity Federal Credit Union." Accessed June 30, 2020.

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231. Omega Psi Phi Fraternity Credit Union. "Products and Services." Accessed June 30, 2020.

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233. Omega Psi Phi Fraternity Credit Union. "JOIN THE CREDIT UNION." Accessed June 30, 2020.

234. OneUnited Bank. "THE LEGACY OF DR. KING AND UNITY BANK & TRUST LIVES ON." Accessed June 18, 2020.

235. OneUnited Bank. "BANKBLACK CHECKING." Accessed June 30, 2020.

236. OneUnited Bank. "BANKBLACK SAVINGS." Accessed June 30, 2020.

237. OneUnited Bank. "UNITY VISA® SECURED CREDIT CARD." Accessed June 30, 2020.

238. OneUnited Bank. "MANAGEMENT." Accessed June 30, 2020.

239. OneUnited Bank. "EASILY BANK ON-THE-GO WITH ONEUNITED BANK." Accessed June 30, 2020.

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241. OPTUS Bank. "Products." Accessed July 21, 2020.

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245. SSCFCU. "FAQs." Accessed June 29, 2020.

246. SSCFCU. "Accounts." Accessed June 29, 2020.

247. SSCFCU. "Loans." Accessed June 29, 2020.

248. SSCFCU. "Programs." Accessed June 29, 2020.

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253. ST&P FCU. "Membership." Accessed June 29, 2020.

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255. ST&P FCU. "Sitemap." Accessed June 29, 2020.

256. ST&P FCU. "Services." Accessed June 29, 2020.

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259. St. Louis Community Credit Union. "COMMUNITY." Accessed June 29, 2020.

260. St. Louis Community Credit Union. "MEMBERSHIP." Accessed June 29, 2020.

261. St. Louis Community Credit Union. "ATM SERVICE." Accessed June 29, 2020.

262. St. Louis Community Credit Union. "LOANS." Accessed June 29, 2020.

263. St. Louis Community Credit Union. "ACCOUNTS." Accessed June 29, 2020.

264. St. Louis Community Credit Union. "BUSINESS DEVELOPMENT." Accessed June 29, 2020.

265. St. Louis Community Credit Union. "WE ADVOCATE." Accessed June 29, 2020.

266. St. Louis Community Credit Union. "INSURANCE." Accessed June 29, 2020.

267. St. Louis Community Credit Union. "ABOUT US." Accessed June 30, 2020.

268. St. Louis Community Credit Union. "MAX ONLINE BANKING SERVICES." Accessed June 29, 2020.

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270. The Harbor Bank of Maryland. "Branch ATMs and AllPoint ATM Locator." Accessed June 29, 2020.

271. The Harbor Bank of Maryland. "Home." Accessed June 29, 2020.

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273. The Harbor Bank of Maryland. "Online Banking (HarborConnect)." Accessed June 29, 2020.

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275. Toledo Urban Federal Credit Union. "Services." Accessed June 29, 2020.

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279. TSB: Tri-State Bank of Memphis. "Online Tools." Accessed June 29, 2020.

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281. United Bank of Philadelphia. "So Much More Than Banking." Accessed June 29, 2020.

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286. Unity National Bank. "Frequently Asked Questions." Accessed June 29, 2020.

287. Unity National Bank. "Welcome!" Accessed June 29, 2020.

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289. Unity National Bank. "Online Banking with Bill Pay." Accessed June 29, 2020.

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291. Urban Upbound. "What We Do: Federal Credit Union." Accessed June 29, 2020.

292. Urban Upbound Credit Union. "Products." Accessed June 29, 2020.

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295. VSU Federal Credit Union. "Automated Teller Machine (ATM)." Accessed June 29, 2020.

296. VSU Federal Credit Union. "Apply For Loan." Accessed June 29, 2020.

297. VSU Federal Credit Union. "Accounts." Accessed June 29, 2020.

298. VSU Federal Credit Union. "Insurance." Accessed June 29, 2020.

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