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NIH Federal Credit Union

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Based on 2 reviews

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CURRENT TOP RATE

24 Month Relationship IRA (Traditional, Roth)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.35%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.25%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.01%	Savings	Regular Share Account 1.00% - Ally Bank Online Savings Account

View all NIH Federal Credit Union rates »

Overview / Commentary

301-718-0208

111 Rockville Pike, Ste 500
Rockville, MD 20850

NIH Federal Credit Union is headquartered in Rockville and is the 10^th largest credit union in the state of Maryland. It is also the 455^th largest credit union in the nation. It was established in 1940 and as of June of 2016, it had grown to 91 employees and 39,507 members at 7 locations. NIH Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to all employees and contractors of the National Institutes of Health (NIH). Membership is also open to all employees, independent contractors, or self-employed persons who work regularly in the biomedical and healthcare industry located in the District of Columbia, Maryland, West Virginia, and Virginia. Once you become an NIHFCU member, membership is available to your immediate family, regardless of geography or profession, via sponsorship.
See current membership details

Related Posts

View all posts from:

2009
2007

11/10 - Expired: 3.00% 7-Month CD at NIH Federal Credit Union in MD & DC - Limited Membership

6/28 - Expired: 7.00% 7-Month CD at a Maryland CU - $7K Max (NIH).

Reviews (2)

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Featured Account Options

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High Yield 12-Month CD

Ally Bank, Member FDIC.
Consistently Competitive Rates.
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Online Savings Account

Ally Bank, Member FDIC.
Consistently Competitive Rates.
24/7 Customer Care.

National Institutes Of Health Federal Credit Union (NIH FCU)

Posted by: Anonymous | Feb 6, 2012

I have used this FCU for 8 plus years, have been very patient with a number of problems. I am leaving for a bank with better rates, better customer service and a bank that is large enough to be competitive.

I can only give them three stars, would never recommend to anyone.

Reply

1

Inactivity Fee

Posted by: MDBill | Jul 16, 2013

The National Institutes of Health Federal Credit Union (NIH FCU) has instituted a quarterly inactivity fee of $25.00 on inactive accounts. Yes, that's $100 per year. Needless to say, my wife and I are both closing our accounts.

4

Health

B+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #	3601
Year Chartered	1940
Employees	91
Primary Regulator

Profit Margin
Return on Assets - YTD	0.26%
Return on Equity - YTD	3.09%
Annual Interest Income	$7.8MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$569.7MM$559.0MM
Loans	Q2 2016vs Q2 2015	$343.3MM$300.5MM
Deposits	Q2 2016vs Q2 2015	$510.6MM$503.0MM
Equity Capital	Q2 2016vs Q2 2015	$48.3MM$44.9MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.6MM$1.1MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$4.1MM$3.2MM
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

NIH Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$25k^*	-	Premier IRA Savings Account
OTHER TIERS: 0.15% → Up to $5k \| 0.20% → $5k - $25k
0.30%^*	$25k^*	-	Premier Roth IRA Savings Account
OTHER TIERS: 0.15% → Up to $5k \| 0.20% → $5k - $25k
0.03%^*	$5k^*	-	Premium Share Account
OTHER TIERS: 0.01% → Up to $5k
0.03%^*	$5k^*	-	Business Premium Share Account
OTHER TIERS: 0.01% → Up to $5k
0.01%	$25	-	Regular Share Account
0.01%	-	-	Holiday Club Account
0.01%	-	-	You Name It
0.01%	$25	-	Business Regular Share Account

NIH Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.08%^*	$25k^*	-	Premier Advantage Money Market
OTHER TIERS: 0.01% → Up to $10k \| 0.03% → $10k - $25k
0.08%^*	$25k^*	-	Business Premier Advantage Money Market
OTHER TIERS: 0.01% → Up to $10k \| 0.03% → $10k - $25k

NIH Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$100k	-	12 Month Jumbo Relationship CD
0.60%^*	$10k^*	-	24 Month Relationship CD
OTHER TIERS: 0.50% → $500 - $10k
0.60%^*	$10k^*	-	30 Month Bump-Up Relationship CD
OTHER TIERS: 0.50% → $500 - $10k
0.60%	$500	-	60 Month Relationship CD
0.50%^*	$10k^*	-	7 Month Relationship CD
OTHER TIERS: 0.40% → $500 - $10k
0.50%^*	$10k^*	$100k	12 Month Relationship CD
OTHER TIERS: 0.40% → $500 - $10k
0.50%^*	$10k^*	-	15 Month Add-On Relationship CD
OTHER TIERS: 0.40% → $500 - $10k
0.50%^*	$10k^*	-	15 Month Bump-Up Relationship CD
OTHER TIERS: 0.40% → $500 - $10k
0.50%	$500	-	36 Month Relationship CD
0.40%	$500	-	18 Month Relationship CD
0.35%	$100k	-	12 Month Jumbo CD
0.35%^*	$10k^*	-	24 Month CD
OTHER TIERS: 0.25% → $500 - $10k
0.35%^*	$10k^*	-	30 Month Bump-Up CD
OTHER TIERS: 0.25% → $500 - $10k
0.35%	$500	-	60 Month CD
0.33%	$500	-	6 Month Relationship CD
0.26%	$500	-	3 Month Relationship CD
0.25%^*	$10k^*	-	7 Month CD
OTHER TIERS: 0.15% → $500 - $10k
0.25%^*	$10k^*	$100k	12 Month CD
OTHER TIERS: 0.15% → $500 - $10k
0.25%^*	$10k^*	-	15 Month Add-On CD
OTHER TIERS: 0.15% → $500 - $10k
0.25%^*	$10k^*	-	15 Month Bump-Up CD
OTHER TIERS: 0.15% → $500 - $10k
0.25%	$500	-	36 Month CD
0.15%	$500	-	18 Month CD
0.08%	$500	-	6 Month CD
0.01%	$500	-	3 Month CD

NIH Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.85%^*	$10k^*	-	24 Month Relationship IRA
OTHER TIERS: 0.75% → $500 - $10k
0.85%^*	$10k^*	-	30 Month Bump-Up Relationship IRA
OTHER TIERS: 0.75% → $500 - $10k
0.85%	$500	-	60 Month Relationship IRA
0.75%^*	$10k^*	-	7 Month Relationship IRA
OTHER TIERS: 0.65% → $500 - $10k
0.75%^*	$10k^*	$100k	12 Month Relationship IRA
OTHER TIERS: 0.65% → $500 - $10k
0.75%^*	$10k^*	-	15 Month Add-On Relationship IRA
OTHER TIERS: 0.65% → $500 - $10k
0.75%^*	$10k^*	-	15 Month Bump-Up Relationship IRA
OTHER TIERS: 0.65% → $500 - $10k
0.75%	$500	-	36 Month Relationship IRA
0.65%	$500	-	18 Month Relationship IRA
0.60%^*	$10k^*	-	24 Month IRA
OTHER TIERS: 0.50% → $500 - $10k
0.60%^*	$10k^*	-	30 Month Bump-Up IRA
OTHER TIERS: 0.50% → $500 - $10k
0.60%	$500	-	60 Month IRA
0.57%	$500	-	6 Month Relationship IRA
0.51%	$500	-	3 Month Relationship IRA
0.50%^*	$10k^*	-	7 Month IRA
OTHER TIERS: 0.40% → $500 - $10k
0.50%^*	$10k^*	$100k	12 Month IRA
OTHER TIERS: 0.40% → $500 - $10k
0.50%^*	$10k^*	-	15 Month Add-On IRA
OTHER TIERS: 0.40% → $500 - $10k
0.50%^*	$10k^*	-	15 Month Bump-Up IRA
OTHER TIERS: 0.40% → $500 - $10k
0.50%	$500	-	36 Month IRA
0.40%	$500	-	18 Month IRA
0.33%	$500	-	6 Month IRA
0.26%	$500	-	3 Month IRA

Locations

NIH Federal Credit Union Locations
Branch Office	5215 Loughboro Rd NW	Washington, DC 20016
Branch Office	2200 Pennsylvania Ave NW	Washington, DC 20037
Branch Office	9000 Rockville Pike Bldg 31 RM 1A-08	Bethesda, MD 20892
Branch Office	111 Rockville Pike Ste 500	Rockville, MD 20850
Branch Office	6701 Rockledge Dr Ste 1096	Bethesda, MD 20817
Branch Office	9609 Medical Center Dr Rm 1E266	Rockville, MD 20850
Branch Office	5601 Fishers Lane Rm 1H1079	Rockville, MD 20852