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NIH Federal Credit Union


Overview / Commentary
www.nihfcu.org
301-718-0208
111 Rockville Pike Ste 500
Rockville, MD 20850

NIH Federal Credit Union is headquartered in Rockville and is the 11th largest credit union in the state of Maryland. It is also the 510th largest credit union in the nation. It was established in 1940 and as of September of 2022, it had grown to 121 employees and 50,588 members at 4 locations. NIH Federal Credit Union 's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

NIH Federal Credit Union 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

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Reviews (2)

National Institutes Of Health Federal Credit Union (NIH FCU)

Posted by: |

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.

2

Inactivity Fee

Posted by: |

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.

5


Health
B+

Data as of Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #3601
Year Chartered1940
Employees121
Primary Regulator
Profit Margin
Return on Assets - YTD0.01%
Return on Equity - YTD0.36%
Annual Interest Income$18.0MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$820.8MM$818.6MM
LoansQ3 2022vs Q3 2021$495.6MM$404.1MM
DepositsQ3 2022vs Q3 2021$770.3MM$746.7MM
Equity CapitalQ3 2022vs Q3 2021$34.0MM$60.5MM
Loan Loss AllowanceQ3 2022vs Q3 2021$3.7MM$2.3MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$1.6MM$1.5MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not NIH Federal Credit Union ; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Premier IRA Savings Account
OTHER TIERS: 0.01% → Up to $5k | 0.10% → $5k - $25k
0.03%*$5k*-Premium Share Account
OTHER TIERS: 0.01% → $5 - $5k
0.03%*$5k*-Business Premium Share Account
OTHER TIERS: 0.01% → $5 - $5k
0.01%$1-Regular Share Account
0.01%$5-Holiday Club Account
0.01%$5-You Name It Club Account
0.01%$1-Business Regular Share Account

NIH Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Premier Advantage Money Market
OTHER TIERS: 0.01% → Up to $10k | 0.10% → $10k - $25k
0.20%*$25k*-Business Premier Advantage Money Market
OTHER TIERS: 0.01% → Up to $10k | 0.10% → $10k - $25k

NIH Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%--TotalCare Checking

NIH Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-6 Month Youth Saver
4.13%$10k-12 Month Featured CD (New Money)
4.00%$100k-12 Month Jumbo CD
3.35%$500-18 Month Featured CD
3.00%$10k-24 Month CD
3.00%$500-24 Month Featured CD
2.85%$500-30 Month Bump-Up CD
2.80%$500-36 Month CD
2.75%$500$100k12 Month CD
2.75%$500-60 Month CD
2.50%$500-6 Month CD
2.00%$500-15 Month Bump-Up CD
1.50%$500-3 Month CD

NIH Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.13%$10k-12 Month Featured IRA (New Money)
3.35%$500-18 Month Featured IRA
3.00%$500-24 Month IRA
3.00%$500-24 Month Featured IRA
2.85%$500-30 Month Bump-Up IRA
2.80%$500-36 Month IRA
2.75%$500$100k12 Month IRA
2.75%$500-60 Month IRA
2.50%$500-6 Month IRA
2.00%$500-15 Month Bump-Up IRA
1.50%$500-3 Month IRA
Locations


NIH Federal Credit Union Locations
Branch Office111 Rockville Pike Ste 500Rockville, MD 20850
Corporate Office111 Rockville Pike Ste 990Rockville, MD 20850
Branch Office1308 E West HwySilver Spring, MD 20910-3232
Branch Office9000 Rockville Pike Bldg 10 Room B1-C25Bethesda, MD 20892

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