When Lakota Federal Credit Union opened its doors in 2012 in Kyle, South Dakota, access to a financial institution was severely limited for the people of Pine Ridge Reservation. Up to 60% of community members were unbanked — a proportion that bank leaders believe has since decreased thanks to initiatives such as Lakota FCU’s mobile banking unit.

“It’s always been about accessibility, for us to be in communities that can’t up and just come to Kyle on a whim,” says Shayna Ferguson, manager and CEO of Lakota FCU, a federally-certified community development financial institution with about $15.9 million in total assets.

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