2. NIH Federal Credit Union

NIH Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.35%5-year CD60 Month CD
3.00% - American Express National Bank 60 Month CDAdvertisement
0.25%1-year CD12 Month CD
2.45% - Barclays 12 Month Online CDAdvertisement
0.01%SavingsRegular Share Account
1.80% - American Express National Bank High Yield Savings AccountAdvertisement
View all NIH Federal Credit Union rates »

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 10th largest credit union in the state of Maryland. It is also the 460th largest credit union in the nation. It was established in 1940 and as of June of 2018, it had grown to 102 employees and 38,573 members at 7 locations. NIH Federal Credit Union 's CD rates are 3X 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

Related Posts

NIH Credit Union 2.50% 12-Month, 1.75% 15-Month Bump-Up - 8/27/2018

12 Month – New Money APY*: 2.50% Minimum deposit: $500 (new money to NIHFCU only) Term: 12 months Also available as traditional or Roth IRAs 15 Month Bump-Up APY*: 1.75% Minimum deposit: $500 Term: 15 Months Increase your certificate rate if rates rise during your certificate term (one bump up allowed)** Also available as traditional or Roth IRAs 10 Month APY*: 1.50% Minimum deposit: $500 Term: 10 Months Also available as traditional or Roth IRAs Membership eligibility: https://www.nihfcu.org/about-nihfcu/credit-union-membership/membership-eligibility.aspx

NIHFCU High-Five Youth Saver Account 5% (5 months only) - 7/29/2018

https://www.nihfcu.org/personal/checking-savings/certificates/special-certificates.aspx.aspx It's not much ($500) and it's limited to the under 17 crowd, but and extra $10 is better than nothing

View all posts from:


Reviews (2)

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.

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.

5


Health
B+

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #3601
Year Chartered1940
Employees102
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD6.65%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$624.4MM$616.9MM
LoansQ2 2018vs Q2 2017$420.6MM$361.7MM
DepositsQ2 2018vs Q2 2017$565.1MM$556.5MM
Equity CapitalQ2 2018vs Q2 2017$47.8MM$47.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.5MM$1.7MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.5MM$2.1MM
Real Estate OwnedQ2 2018vs Q2 2017$356.00K$640.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

NIH Credit Union 2.50% 12-Month, 1.75% 15-Month Bump-Up

CapitalClimate   |  
12 Month – New Money
APY*: 2.50%
Minimum deposit: $500 (new money to NIHFCU only)
Term: 12 months
Also available as traditional or Roth IRAs

15 Month Bump-Up
APY*: 1.75%
Minimum deposit: $500
Term: 15 Months
Increase your certificate rate if rates rise during your certificate term (one bump up allowed)**
Also available as traditional or Roth IRAs

10 Month
APY*: 1.50%
Minimum deposit: $500
Term: 10 Months
Also available as traditional or Roth IRAs

Membership eligibility:
https://www.nihfcu.org/about-nihfcu/credit-union-membership/membership-eligibility.aspx
3

NIHFCU High-Five Youth Saver Account 5% (5 months only)

pinkterror   |  
https://www.nihfcu.org/personal/checking-savings/certificates/special-certificates.aspx.aspx

It's not much ($500) and it's limited to the under 17 crowd, but and extra $10 is better than nothing
3

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
0.45%*$25k*-Premier IRA Savings Account
OTHER TIERS: 0.30% → Up to $5k | 0.35% → $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%$25-Regular Share Account
0.01%$5-Holiday Club Account
0.01%$5-You Name It Club Account
0.01%$25-Business Regular Share Account

NIH Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.23%*$25k*-Premier Advantage Money Market
OTHER TIERS: 0.16% → Up to $10k | 0.18% → $10k - $25k
0.23%*$25k*-Business Premier Advantage Money Market
OTHER TIERS: 0.16% → Up to $10k | 0.18% → $10k - $25k

NIH Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-5 Month High Five Featured CD
5.00%$500-5 Month High Five Relationship Featured CD
2.50%$500-12 Month Featured CD (New Money)
2.50%$500-12 Month Relationship Featured CD (New Money)
1.75%$10k-15 Month Bump-Up Featured CD
1.75%$10k-15 Month Relationship Bump-Up Featured CD
1.50%$10k-10 Month Featured CD
1.50%$10k-10 Month Relationship Featured CD
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*$100k12 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%$500-36 Month Relationship CD
0.40%$500$10k15 Month Bump-Up 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*$100k12 Month CD
OTHER TIERS: 0.15% → $500 - $10k
0.25%*$10k*-15 Month Add-On CD
OTHER TIERS: 0.15% → $500 - $10k
0.25%$500-36 Month CD
0.15%$500$10k15 Month Bump-Up 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-12 Month Featured IRA
2.50%$500-12 Month Relationship Featured IRA
1.75%$10k-15 Month Bump-Up Featured IRA
1.75%$10k-15 Month Relationship Bump-Up Featured IRA
1.50%$10k-10 Month Featured IRA
1.50%$10k-10 Month Relationship Featured IRA
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*$100k12 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%$500-36 Month Relationship IRA
0.65%$500$10k15 Month Bump-Up 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*$100k12 Month IRA
OTHER TIERS: 0.40% → $500 - $10k
0.50%*$10k*-15 Month Add-On IRA
OTHER TIERS: 0.40% → $500 - $10k
0.50%$500-36 Month IRA
0.40%$500$10k15 Month Bump-Up 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 Office5215 Loughboro Rd NWWashington, DC 20016
Branch Office2200 Pennsylvania Ave NWWashington, DC 20037
Branch Office9000 Rockville Pike Bldg 31 RM 1A-08Bethesda, MD 20892
Branch Office111 Rockville Pike Ste 500Rockville, MD 20850
Branch Office6701 Rockledge Dr Ste 1096Bethesda, MD 20817
Branch Office9609 Medical Center Dr Rm 1E266Rockville, MD 20850
Branch Office5601 Fishers Lane Rm 1H1079Rockville, MD 20852

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