OneUnited Bank is the largest Black-owned commercial bank in the United States, operating as a federally insured Minority Depository Institution (MDI) dedicated to financial literacy, community empowerment, and closing the racial wealth gap. Additionally, other prominent Black-owned financial institutions and mission-driven community development banks include Carver Federal Savings Bank and various African American-owned credit unions. These institutions play a vital structural role by channeling capital, small business loans, and affordable mortgage products directly into historically underserved urban and minority neighborhoods.