Native American-owned banks make up the smallest single group of minority depository institutions (MDI) in the United States (outside of the one multi-racial American-owned bank). Even if you include all of the currently active Native-American-owned credit unions, they still amount to fewer than all the Black-owned financial institutions or Asian American-owned banks.

Although they are small in number, many Native American-owned financial institutions are the result of tribes and tribal members building their own banks and credit unions to serve the needs of their local communities. As such, these institutions provide a critical lifeline to traditionally underbanked Native American communities.

Key Takeaways

  • Today—including credit unions—there are 30 Native American-owned financial institutions in the United States. Collectively, these institutions have approximately $5.476 billion in assets.
  • Of the 17 Native American or Native Alaskan American-owned banks, all have 51% or more of their voting stock owned by Native American and/or Native Alaskan American individuals.
  • Gateway First Bank is the largest Native American-owned bank in the U.S., with $1.58 billion in total assets.

What Is a Minority Depository Institution?

There are currently 5,066 commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation (FDIC) in the United States. A financial institution will only be considered an MDI by the the FDIC if it is "...a federal insured depository institution for which (1) 51 percent or more of the voting stock is owned by minority individuals; or (2) a majority of the board of directors is minority and the community that the institution serves is predominantly minority. Ownership must be by U.S. citizens or permanent legal U.S. residents to be counted in determining minority ownership."

Of the 17 Native American or Native Alaskan American-owned banks, all fall into the first category. Adding in 13 credit unions, there are a total of 30 Native American-owned financial institutions in the U.S.

For the purposes of this article, Native American-owned and managed credit unions that serve the Native American community have been included to provide the most complete picture of Native American financial institutions. The article uses the term "Native American-owned" in this broad sense, recognizing that stockholders own for-profit banks and members own credit unions.

Why Native American-Owned Banks Are Important

A good bank can provide vital financial services, such as checking and savings accounts for safely storing money, loans for both individual and business purposes, mortgages for real estate purchases, as well as credit cards. Unfortunately, Native Americans living on or near tribal reservations often have a much harder time accessing the services that many take for granted.

According to a 2017 report from Native Nations Institute, the average distance from the center of a tribal reservation to the nearest bank was approximately 12.2 miles, in addition to 6.9 miles to the nearest ATM. In the most extreme cases, banks and ATMs could be as far as 88.41 and 61.63 miles, respectively. Additionally, online banking isn't a reliable solution to this issue, as 63% of tribal land residents don't have access to broadband.

To make matters worse, individuals who grow up in these "financial deserts" are more likely to have credit scores that are seven to 10 points lower, 2% to 4% higher delinquency rates, and are 20% less likely to have a credit report. The first point is particularly detrimental, having an effect similar to a $6,000 reduction in annual income.

These circumstances could negatively impact anyone's financial health and have almost certainly contributed to the fact that one in three Native Americans are living in poverty and have an annual median income of $23,000. However, with the help of these Native American-owned financial institutions, the creditworthiness of tribal reservations has been steadily improving.

Native American-Owned Financial Institutions Breakdown

Of the 17 Native American-owned banks, more than half are based primarily in Oklahoma. Below is an alphabetical list of all the Native American-owned banks and credit unions in the U.S.

AllNations Bank

Originally chartered as First National Bank of Calumet in 1901, the financial institution adopted its current name when it became a state chartered bank in 2004. AllNations Bank is owned by the Absentee Shawnee Tribe, one of three federally recognized Shawnee groups in Oklahoma.  AllNations is the smallest Native American-owned bank in terms of total assets.

  • Branches: Calument Branch (Calumet, Okla.) and Shawnee Branch (Shawnee, Okla.)
  • ATMs: Calument (Calumet, Okla.) and Shawnee (Shawnee, Okla.), in addition to any ATMs in the Transfund network
  • States: Oklahoma
  • Services: Personal (checking, savings, etc.) and business (commercial checking, merchant services, etc.) banking 
  • Assets: $46.59 million
  • Availability: Online and brick-and-mortar 

Bank of Cherokee County

The Bank of Cherokee County was founded by several prominent members of the Cherokee Nation in 1907—the same year Oklahoma Territory and Indian Territory united into a single state. In 1996, the bank was acquired by a different group of Cherokee Nation members, led by Gary D. Chapman. His daughter, Susan Chapman Plumb, is the current CEO, majority shareholder, and chairperson. Currently the only bank in Hulbert, Okla., Bank of Cherokee County invests 95% of the deposits it receives back into Cherokee County.

  • Branches: Main Office and Bank (Hulbert, Okla.), Park Hill Branch (Tahlequah, Okla.), and Tahlequah Branch (Tahlequah, Okla.)
  • ATMs: Any ATM in the Pulse network
  • States: Oklahoma
  • Services: Personal and business banking (deposits, loans, etc.), in addition to insurance (offered through partner Grandview Insurance) 
  • Assets: $134.96 million
  • Availability: Online and brick-and-mortar 

Bay Bank

Bay Bank was founded by the Oneida Nation alongside five local businessmen in 1995, with the former group becoming the sole owner five years later. Currently, it's the only bank in the Greater Green Bay area that offers the U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program.

  • Branches: Packerland Branch (Greenbay, Wis.) and West Mason (Greenbay, Wis.)
  • ATMs: Oneida One Stop E & EE (De Pere, Wis.), Bay Bank-Packerland (Greenbay, Wis.), Bay Bank-Mason Street (Greenbay, Wis.), El Dorado Liquor (Greenbay, Wis.), Four Paths (Greenbay, Wis.), Kress Center (Greenbay, Wis.), Mi Pueblo (Greenbay, Wis.), Oneida One Stop Larsen (Greenbay, Wis.), Oneida One Stop West Wind (Greenbay, Wis.), Radisson Hotel & Conference Center (Greenbay, Wis.), Skenandoah (Greenbay, Wis.), Wingate (Greenbay, Wis.), Anna John Nursing Home (Oneida, Wis.), Oneida Health Center (Oneida, Wis.), Oneida One Stop 54 (Oneida, Wis.), Norbert Hill Center (Oneida, Wis.), Thornberry @ Oneida (Oneida, Wis.), White Eagle Bar & Grill LLC (Oneida, Wis.), and Old 29 Café LLC (Pulaski, Wis.)
  • States: Wisconsin
  • Services: Personal (checking, IRAs, etc.) and business (checking, savings, etc.) banking, in addition to loans (mortgages, real estate, etc.)
  • Assets: $126.39 million
  • Availability: Online and brick-and-mortar 

Carson Community Bank

The Bank of Commerce was founded by CJ Carson nearly a century ago, with his descendants having continued to own and operate the financial institution in the years since. Later, the Bank of Commerce was merged with the Peoples Bank, creating the modern Carson Community Bank.

  • Branches: West Siloam Facility (Colcord, Okla.), Keys Facility (Park Hill, Okla.), Main Branch - Stilwell (Stilwell, Okla.), and Main Branch - Westville (Westville, Okla.)
  • ATMs: Cookson (Cookson, Okla.), West Siloam Springs Branch (Colcord, Okla.), Keys Branch (Park Hill, Okla.), OK Station (Park Hill, Okla.), Murphy (Stilwell, Okla.), North (Stilwell, Okla.) Stilwell Branch (Stilwell, Okla.), Cherokee County Courthouse (Tahlequah, Okla.), Quick Stop (Westville, Okla.), and Westville Branch (Westville, Okla.), in addition to any ATMs in the Allpoint network
  • States: Oklahoma
  • Services: Banking accounts (checking, business, and interest bearing), loans, credit cards, and safe deposit boxes
  • Assets: $160.24 million
  • Availability: Online and brick-and-mortar 

Chickasaw Community Bank

Bill Anoatubby, current governor of the Chickasaw Nation, had the vision of founding a tribally owned bank in the Oklahoma City metro area, which culminated in the establishment of Chickasaw Community Bank in 2002. A wholly owned subsidiary of the Chickasaw Banc Holding Company, the financial institution is consistently rated as a 4-Star Bank by Bauer Financial and has been placed in the top 15% of all U.S. banks by Seifried & Brew LLC.

  • Branches: Main Office (Oklahoma City, Okla.)
  • ATMs: N/A
  • States: Oklahoma
  • Services: Personal (checking, savings, etc.) and business (checking and savings) banking, personal (consumer, home, etc.) and business (real estate, equipment, etc.) loans, and insurance  
  • Assets: $258.11 million
  • Availability: Online and brick-and-mortar

Choctaw Federal Credit Union

Choctaw Federal Credit Union has been open since 1976. Anyone living, working, or worshipping in the Choctaw area, as well as their immediate family members, may join the institution.

  • Branches: Main Office (Choctaw, Miss.)
  • ATMs: N/A
  • States: Mississippi
  • Services: Accounts (savings, share draft checking, and Club Accounts), loans (auto, signature, etc.), and other services (direct deposit, payroll deduction, etc.)
  • Assets: $2.94 million
  • Availability: Online and brick-and-mortar 

Eagle Bank

Eagle Bank is owned by the Confederated Salish and Kootenai Tribes and is the result of nearly two decades of research and development into the feasibility and potential for a tribally owned financial institution. Additionally, it's the only bank whose holding company is organized under Section 17 of the Indian Reorganization Act of 1934.

  • Branches: Main Office (Polson, Mont.)
  • ATMs: Evaro Grey Wolf Casino (Missoula, Mont.), Pablo Quicksilver Express (Pablo, Mont.), Pablo CSKT Tribal Complex (Pablo, Mont.), Polson KwaTaqNuk Resort (Polson, Mont.), Pablo S&K College Bookstore (Pablo, Mont.), Polson Branch (Polson, Mont.), and St. Ignatius (St. Ignatius, Mont.)
  • States: Montana
  • Services: Personal and business banking (checking, savings, etc.) 
  • Assets: $84.26 million
  • Availability: Online and brick-and-mortar 

F&M Bank

F&M Bank has been owned and operated by the Anderson family across three generations, with the second and third generations active employees of the financial institution. F&M Bank is the second-largest Native American-owned bank by total assets.

  • Branches: Crescent Branch (Crescent, Okla.), Rose Creek Branch (Edmond, Okla.), Waterloo Branch (Edmond, Okla.), East Guthrie Branch (Guthrie, Okla.), West Guthrie Branch (Guthrie, Okla.), Kingfisher Branch (Kingfisher, Okla.), Piedmont Branch (Piedmont, Okla.), and Surrey Hills Branch (Yukon, Okla.)
  • ATMs: Crescent Branch (Crescent, Okla.), Rose Creek Branch (Edmond, Okla.), Waterloo Branch (Edmond, Okla.), East Guthrie Branch (Guthrie, Okla.), Guthrie Travel Center (Guthrie, Okla.), Lakeview (Guthrie, Okla.), Petty's Pit Stop #1 (Guthrie, Okla.), Riverside Express Mart (Guthrie, Okla.), West Guthrie Branch (Guthrie, Okla.), Kingfisher Branch (Kingfisher, Okla.), Total Express #1 (Oklahoma City, Okla.), City Stop (Piedmont, Okla.), Piedmont Branch (Piedmont, Okla.), and Surrey Hills Branch (Yukon, Okla.) 
  • States: Oklahoma
  • Services: Personal (checking, savings, etc.) and business (checking, merchant card services, etc.) banking, personal (mortgage, auto, etc.) and business (small business, agriculture, commercial/commercial real estate) loans, personal and business credit cards, and account and business services  
  • Assets: $543.88 million
  • Availability: Online and brick-and-mortar 

First American Credit Union

First American Credit Union was originally founded as the Navajo Land Credit Union in 1962. Membership with the credit union is available to anyone for a $25 opening deposit, in addition to a $10 non-refundable membership fee. It is the only the only Native American-owned credit union to operate in more than one state.

  • Branches: Casa Grande Branch (Casa Grande, Ariz.), Sells Branch (Sells, Ariz.), and Tse Bonito Branch (Tse Bonito, N.M.), in addition to any branches in the CO-OP network 
  • ATMs: Casa Grande Branch (Casa Grande, Ariz.), Sells Branch (Sells, Ariz.), and Tse Bonito Branch (Tse Bonito, N.M.), in addition to any ATMS in the Allpoint and CO-OP networks 
  • States: Arizona and New Mexico
  • Services: Personal (checking, savings, etc.) and business (checking, credit cards, etc.) banking, personal loans, and additional services (direct deposit, wire transfers, etc.)   
  • Assets: $88.52 million
  • Availability: Online and brick-and-mortar 

First National Bank & Trust Co.

Following the approval for the charter for First Oklahoma Bank, N.A., on June 30, 1983, the bank first opened its doors on Oct. 29 the next year. The Citizen Potawatomi Tribe would later purchase the bank in 1989. Finally, by 1995, the bank's name had been changed to the more familiar First National Bank & Trust Co.

  • Branches: Granite Office (Granite, Okla.) Holdenville Office (Holdenville, Okla.), Lawton Quanah Parker Office (Lawton, Okla.), Lawton Sheridan Office (Lawton, Okla.), Mangum Office (Mangum, Okla.), and Shawnee Home Office (Shawnee, Okla.)
  • ATMs: N/A
  • States: Oklahoma
  • Services: Personal (checking, savings, etc.) and business (checking, CDs, etc.) banking, in addition to loans (mortgage, line of credit, etc.)
  • Assets: $323.64 million
  • Availability: Online and brick-and-mortar 

FirstBank

Originally charted as Antlers National Bank in 1901, the bank's name was changed to First National Bank in 1935. During that same year, depositors were often given stock in lieu of their money due to the Great Depression, the majority of which stock was spread throughout the local community. From 1992 to 2002, the Burrage family acquired all of the bank's outstanding shares, which resulted in the the nationally chartered First National Bank becoming the state-charted FirstBank. It is also the largest Native American-owned bank in terms of total assets.

  • Branches: Antlers Branch (Antlers, Okla.), Atoka Branch (Atoka, Okla.), Broken Bow Branch (Broken Bow, Okla.), Hochatown Branch (Hochatown, Okla.), Coalgate Branch (Coalgate, Okla.), Hugo Branch (Hugo, Okla.), Idabel Branch (Idabel, Okla.), Kiowa Branch (Kiowa, Okla.), and Wright City (Okla.)
  • ATMs: Antlers Branch (Antlers, Okla.), Atoka Branch (Atoka, Okla.), Broken Bow Branch (Broken Bow, Okla.), Hochatown Branch (Hochatown, Okla.), Coalgate Branch (Coalgate, Okla.), Hugo Branch (Hugo, Okla.), Idabel Branch (Idabel, Okla.), Kiowa Branch (Kiowa, Okla.), Rattan ATM (Rattan, Okla.), and Wright City (Okla.)
  • States: Oklahoma
  • Services: Personal (checking, CDs, etc.) and business (checking, savings, etc.) banking, personal (home, auto, etc.) and business (commercial/business, equipment financing, etc.) loans, and selling assets (residential/commercial, auto, and recreational)
  • Assets: $525.05 million
  • Availability: Online and brick-and-mortar 

Four Corners Federal Credit Union

First chartered as Navajo Mine Federal Credit Union in 1965, the organization's name was changed to Four Corners Federal Credit Union as part of a contest in 1994. The credit union is available to all residents of San Juan County, N.M.

  • Branches: Home Office (Kirtland, N.M.)
  • ATMs: N/A
  • States: New Mexico
  • Services: Accounts (CDs, IRAs, etc.) and loans (auto, signature, etc.) 
  • Assets: $27 million
  • Availability: Online and brick-and-mortar 

Hawaii First Federal Credit Union

In 1956, a group of 36 paniolo (Hawaiian cowboys) and farmers worked together to organize a a federally chartered Kamuela Community FCU, which later became the Hawaii First Federal Credit Union. Membership is available to anyone living on the Island of Hawaii, in addition to anyone on the island who regularly works, attends school, worships, performs volunteer services, or participates in associations; participates in programs to alleviate poverty or distress; maintains a facility; incorporated and unincorporated organizations; and the families of eligible persons.

  • Branches: Hilo Main Branch (Hilo, Hawaii), Hilo Community Resource Center (Hilo, Hawaii), and Kamuela Main Branch (Kamuela, Hawaii)
  • ATMs: Any ATMs within the First Hawaiian Bank network
  • States: Hawaii
  • Services: Savings and investments accounts (IRA, share, etc.), checking accounts, loans (auto, construction, etc.), and a TruStage Insurance Program  
  • Assets: $38 million
  • Availability: Online and brick-and-mortar 

Gateway First Bank

Founded by Kevin Stitt in 2000, Gateway Mortgage Group became Gateway First Bank after merging with a 100-year-old community bank in 2019. This marked the first time in history that a mortgage company transformed itself into a bank. A year prior to the merger, Gateway Mortgage Group announced its plan to to invest $275 million of financing in underrepresented communities, low- to moderate-income communities, and non-profit organizations that support community development through 2022 as part of its Gateway Gives Back program.

  • Branches: Cherokee Branch (Cherokee, Okla.), Helena Branch (Helena, Okla.), Headquarters (Jenks, Okla.), Nash Branch (Nash, Okla.), Tonkawa Branch (Tonkawa, Okla.), and Wakita Branch (Wakita, Okla.)
  • ATMs: N/A
  • States: Oklahoma
  • Services: Personal (checking, CDs, etc.) and business (checking and business lending) banking
  • Assets: $1.58 billion
  • Availability: Online and brick-and-mortar 

Lac Courte Oreilles Federal Credit Union

The Lac Courte Oreilles Federal Credit Union was first opened for business in 2001. Membership is restricted to Lac Courte Oreilles tribal members and employee at a Lac Courte Oreilles Tribal Entity.

  • Branches: Main Office (Hayward, Wis.)
  • ATMs: N/A
  • States: Wisconsin
  • Services: Share draft checking and loans
  • Assets: $2.45 million
  • Availability: Brick-and-mortar only

Lakota Federal Credit Union

Lakota Federal Credit Union was established in 2012 by multiple community leaders in order to provide banking services to Oglala Lakota Oyate people. It was the first financial institution in the Pine Ridge Reservation since 1935. Upon opening a $5 share deposit, membership will be available to those living, working, worshiping, volunteering, or attending school on the Pine Ridge Reservation (as well as their family members) and organizations located within organized to serve the Pine Ridge Reservation residents. The organization, however, does accept non-member deposits.

  • Branches: Main Office (Kyle, S.D.)
  • ATMs: Cowboy Corner (Interior, S.D.)
  • States: South Dakota
  • Services: Savings, checking, loans (auto, lines of credit, etc.), and other services (wire transfers, money orders, etc.)
  • Assets: $6.84 million
  • Availability: Online and brick-and-mortar 

Local Union 1186 IBEW Federal Credit Union

Local Union 1186 IBEW was founded in 1956 as part of the Hawaii branch of the National Brotherhood of Electrical Workers, which was itself chartered in 1940.  

  • Branches: Main Office (Honolulu, Hawaii)
  • ATMs: Any ATMs in the First Hawaiian Bank, and Kalabash, CO-OP Networks
  • States: Hawaii
  • Services: Savings, checking, loans (signature, auto, etc.), and ATM cards
  • Assets: $14.88 million
  • Availability: Brick-and-mortar only

Lumbee Guaranty Bank

Lumbee Bank was both incorporated and opened its doors for the first time in 1971. Six years later, Larry Ray Chavis became, and continues to serve as, the bank's president. By 1991, "Guaranty" was added to the name as a reflection of its growth and success.

  • Branches: Fairmont Office (Fairmont, N.C.), Hay Street Office (Fayetteville, N.C.), Lake Rim Office (Fayetteville, N.C.), Hope Mills Office (Hope Mills, N.C.), Fayetteville Road Branch (Lumberton, N.C.), Pine Street Branch (Lumberton, N.C.), West 5th Street Branch (Lumberton, N.C.), Maxton Office (Maxton, N.C.), Main Office (Pembroke, N.C.), University Plaza Branch (Pembroke, N.C.), Raeford Office (Raeford, N.C.), Red Springs Office (Red Springs, N.C.), Rowland Office (Rowland, N.C.), and St. Pauls Office (St. Pauls, N.C.)
  • ATMs: Fairmont Office (Fairmont, N.C.), Hay Street Office (Fayetteville, N.C.), Lake Rim Office (Fayetteville, N.C.), Hope Mills Office (Hope Mills, N.C.), Fayetteville Road Branch (Lumberton, N.C.), Pine Street Branch (Lumberton, N.C.), West 5th Street Branch (Lumberton, N.C.), Maxton Office (Maxton, N.C.), Main Office (Pembroke, N.C.), University Plaza Branch (Pembroke, N.C.), Raeford Office (Raeford, N.C.), Red Springs Office (Red Springs, N.C.), Rowland Office (Rowland, N.C.), and St. Pauls Office (St. Pauls, N.C.)
  • States: North Carolina
  • Services: Personal (checking, CDs, etc.) and business (checking, savings, etc.) banking, loans (mortgage, lines of credit, etc.), and other services (safe deposit boxes, wire transfers, etc.)   
  • Assets: $380.06 million
  • Availability: Online and brick-and-mortar 

Molokai Community Federal Credit Union

In 1951, nine individuals submitted an application establish a Molokai Community Federal Credit Union, which was approved less than a month later. Membership is available to anyone who lives, works, worships, or attends school on the Island of Molokai, in addition to businesses and other legal entities located there; persons retired as pensioners or annuitants from the above employment; the credit union's employees; members of their immediate family or household (including spouses of persons who died while within the field of membership), and organizations of such persons.

  • Branches: First Hawaiian Homes Branch (Hoolehua, Hawaii) and Main Branch (Kaunakakai, Hawaii)
  • ATMs: Any ATMs in the American Savings Bank, First Hawaiian Bank, or "participating" CO-OP networks
  • States: Hawaii
  • Services: Accounts (share draft, IRA, etc.), loans (auto, signature, etc.), debt protection and TruStage Insurance plans, and other services (wire transfers, money orders, etc.)
  • Assets: $30.55 million
  • Availability: Online and brick-and-mortar 

Native American Bank

In 2001, 20 Tribal nations and Alaska Native Corporations established Native American Bank, N.A. Today, it remains the only "national American Indian-owned community development bank" in the U.S., as well as the only Native American-owned bank to operate in more than one state. Its holding company, Native American Bancorporation, promotes economic development in financially underserved areas.

  • Branches: Browning Branch (Browning, Mont.) and Corporate Office (Denver, Colo.)
  • ATMs: Browning Branch (Browning, Mont.) and Corporate Office (Denver, Colo.), in addition to any ATMs in the MoneyPass network
  • States: Colorado and Montana
  • Services: Personal accounts and loans, business accounts and loans, credit cards, and account management services (merchant services, lockbox services, etc.) 
  • Assets: $203.48 million
  • Availability: Online and brick-and-mortar 

Oklahoma State Bank

Oklahoma State Bank is a community bank that was originally founded in 1937. In addition to providing a wide variety of traditional financial products and services, Oklahoma State Bank also has a strong focus on digital banking and cybersecurity.  

  • Branches: Langley Branch (Langley, Okla.), Monkey Island Branch (Monkey Island, Okla.), and Vinita Branch (Vinita, Okla.)
  • ATMs: Langley Branch (Langley, Okla.), Monkey Island Branch (Monkey Island, Okla.), and Vinita Branch (Vinita, Okla.)
  • States: Oklahoma
  • Services: Personal (checking, IRAs, etc.) and business (checking, savings, etc.) banking as well as personal (consumer and agricultural) and business (commercial loans and municipal leasing) loans
  • Assets: $177.63 million
  • Availability: Online and brick-and-mortar 

People's Bank of Seneca

The People's Bank of Seneca was originally founded in 1996. The institution regularly works alongside the Eastern Shawnee Tribe, its current majority shareholder, and numerous other sponsors to give back to the local community.

  • Branches: 32nd Street Mortgage Office (Joplin, Mo.), Joplin 20th Street Branch (Joplin, Mo.), Loma Linda Branch (Joplin, Mo.), Maiden Lane Branch (Joplin, Mo.), and Seneca Branch (Seneca, Mo.)
  • ATMs: Any ATMs in the Transfund network
  • States: Missouri
  • Services: Personal (checking, CDs, etc.) and commercial (checking, savings, etc.) banking as well as personal (consumer, home, and mortgage) and commercial lending 
  • Assets: $266.71 million
  • Availability: Online and brick-and-mortar 

Pinnacle Bank

Originally chartered as the Tama State Bank in 1927, the charter was later moved to a new main office in Marshalltown in 1996. Iowa River Bancorp would then purchase Pinnacle Bank in 2009.

  • Branches: Marshalltown Office (Marshalltown, Iowa) and Toledo Office (Toledo, Iowa)
  • ATMs: Marshalltown Office (Marshalltown, Iowa) and Toledo Office (Toledo, Iowa), in addition to any ATMs in the SHAZAM Privileged Status network
  • States: Iowa
  • Services: Personal (checking, CDs, etc.) and business (checking, savings, etc.) banking, personal (signature, auto/recreational vehicle, and mortgage) and business/agriculture loans, and the Tribal Solutions trust and investment services    
  • Assets: $227.82 million
  • Availability: Online and brick-and-mortar 

Seneca Nation of Indians Federal Credit Union

Seneca Nation of Indians Federal Credit Union was first open for business in 2015. Membership is available to anyone who completes an application, has at least $5 to open in a share account, and provides a Seneca Nation ID (for enrolled Senecas) or government-issued photo ID.

  • Branches: Irving Office (Irving, N.Y.) and Salamanca Branch Office (Salamanca, N.Y.)
  • ATMs: Irving Office (Irving, N.Y.), in addition to any ATMs in the Allpoint network
  • States: New York
  • Services: Checking (share draft and business draft), savings (share savings, share certificates, and money market), club accounts, VISA debit card, direct deposit, and loans (auto, personal, and share secured)  
  • Assets: $5.1 million
  • Availability: Online and brick-and-mortar 

Sisseton-Wahpeton Federal Credit Union

Sisseton-Wahpeton Federal Credit Union has been active since 1979. The organization sponsors members of the Sisseton-Wahpeton Sioux tribe (living within the boundaries of the Sisseton-Wahpeton Sioux Reservation), as well as employees of the Bureau of Indian Affairs, Indian Health Service, and of school systems serving the Sisseton-Wahpeton Sioux Tribe.

  • Branches: Main Office (Agency Village, S.D.)
  • ATMs: N/A
  • States: South Dakota
  • Services: Loans (auto, secured, etc.), savings (CDs, direct deposits, etc.), and additional services (wire transfers, money orders, etc.)
  • Assets: $4.65 million
  • Availability: Online and brick-and-mortar

Tongass Federal Credit Union

Originally founded in 1963, the Tongass Federal Credit Union is the product of a group of teachers and public workers whose financial needs weren't being met by any of the local banks. Membership is available to anyone living, working, worshiping, or attending school in Alaska's Southeast Economic Region or Gulf Coast Economic Region.

  • Branches: Hydaburg Microsite (Hydaburg, Alaska), Kake Microsite (Kake, Alaska), Klawock Branch (Klawock, Alaska), Main Branch (Ketchikan, Alaska), Hoonah Microsite (Hoonah, Alaska), Metlakatla Branch (Metlakatla, Alaska), Thorne Bay Microsite (Thorne Bay, Alaska), and Wrangell Branch (Wrangell, Alaska), in addition to any branches in the CO-OP network
  • ATMs: Hydaburg School (Hydaburg, Alaska), Kake Tribal Fuel (Kake, Alaska), Black Bear Gas Station (Klawock, Alaska), Klawock Mall (Klawock, Alaska), The Log Cabin (Klawock, Alaska), Gilmore Hotel (Ketchikan, Alaska), Ketchikan High School (Ketchikan, Alaska), Ketchikan Rec Center (Ketchikan, Alaska), Lighthouse Grocery & Liquor (Ketchikan, Alaska), Loan Center (Ketchikan, Alaska), Main Branch (Ketchikan, Alaska), South Tongass (Ketchikan, Alaska), Tongass Trading (Ketchikan, Alaska), Bingo Hall (Metlakatla, Alaska), Leask Mini Market (Metlakatla, Alaska), Metlakatla High School (Metlakatla, Alaska), Milton Street Branch (Metlakatla, Alaska), Thorne Bay Market (Thorne Bay, Alaska), and Stikine Inn (Wrangell, Alaska)
  • States: Alaska
  • Services: Personal (checking, savings, etc.) and business (checking, savings, and money market) accounts, personal loans (auto, mortgage, etc.) and business loans (real estate, lines of credit, etc.), and business services (debit cards, merchant services, etc.)    
  • Assets: $100.58 million
  • Availability: Online and brick-and-mortar 

Turtle Mountain State Bank

First opening its doors in 2007, Turtle Mountain State Bank is the first privately owned Native American bank on a federally recognized Indian Reservation. The institution is also has a local scholarship program and supports youth activities as well as multiple other community projects.

  • Branches: Main Branch (Belcourt, N.D.)
  • ATMs: La Dots Convenience Store (Belcourt, N.D.), La Dots Lounge (Belcourt, N.D.), Jollies Mall (Belcourt, N.D.), Turtle Mountain Community College (Belcourt, N.D.), Turtle Mountain Community High School (Belcourt, N.D.), Horseman's Bar (Belcourt, N.D.), Cenex (Rolla, N.D.), Leevers Foods (Rolla, N.D.), and (Square Deal Store, N.D.)
  • States: North Dakota
  • Services: Personal (checking, CDs, etc.) and business (checking, checking, etc.) banking as well as consumer (CD & savings secured, checking reserve, etc.) and business (real estate, lines of credit, etc.) loans   
  • Assets: $96.76 million
  • Availability: Online and brick-and-mortar 

White Earth Reservation Federal Credit Union

The White Earth Reservation Federal Credit Union first opened in 1966. Membership is available to anyone who lives or works on the White Earth Reservation, was previously a member of the White Earth Reservation Federal Credit Union, has a relative that is a member of the White Earth Reservation Federal Credit Union, or is an enrolled member of the White Earth Band of Chippewa Indians.

  • Branches: Main Office (Mahnomen, Minn.) and Shooting Star Casino (Mahnomen, Minn.)
  • ATMs: Shooting Star Casino (Mahnomen, Minn.)
  • States: Minnesota
  • Services: Share and share draft accounts, loans (auto, unsecured, etc.), debit cards, and other services (direct deposit, money orders, etc.)
  • Assets: $2.41 million
  • Availability: Online and brick-and-mortar 

Wolf Point Federal Credit Union

Wolf Point Federal Credit Union received its federal charter in 1963. Membership is limited to those who meet the following criteria: membership in the Farmers Union Lumber Company and The Farmers Union Oil Company of Wolf Point, Mont., and owning at least one $25 share of stock; made purchases in the amount of at least $50 from one of the above cooperatives the past 12 months and accumulating patronage refunds toward the purchase of a share of stock; and who are employees of the above cooperatives working in Wolf Point, members of their immediate families (including spouses of persons who died while within the field of membership), persons retired from the above employment, and organizations of such persons.

  • Branches: Main Office (Wolf Point, Mont.)
  • ATMs: Main Office (Wolf Point, Mont.) and Horseshoe Bar (Oswego, Mont.)
  • States: Montana
  • Services: Savings (share, IRAs, etc.), share draft checking, loans (consumer, share secured, and vehicle), debit cards, and direct deposits
  • Assets: $16.02 million
  • Availability: Online and brick-and-mortar 

Woodlands National Bank

Woodlands National Bank has been serving Minnesota for around 100 years. The Mille Lacs Band of Ojibwe owns Woodlands National Bank as part of an economic diversification program.

  • Branches: Cloquet Branch (Cloquet, Minn.), Hinckley Branch (Hinckley, Minn.), Minneapolis Branch (Minneapolis, Minn.), Onamia (Grand Market) Branch (Onamia, Minn.), Onamia (Main Street) Branch (Onamia, Minn.), Sturgeon Lake Branch (Sturgeon Lake, Minn.), and Zimmerman Branch (Zimmerman, Minn.)      
  • ATMs: N/A
  • States: Minnesota
  • Services: Personal (checking, savings) and business (checking, cash management services, etc.) banking as well as personal (vehicle, refinance, etc.) and small business loans  
  • Assets: $324.58
  • Availability: Online and brick-and-mortar