NIH Federal Credit Union

Overview / Commentary
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 469th largest credit union in the nation. It was established in 1940 and as of September of 2020, it had grown to 121 employees and 43,102 members at 5 locations. NIH Federal Credit Union 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

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.

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.


Health Grade Components

NCUA #3601
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD1.95%
Annual Interest Income$14.7MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$749.0MM$652.2MM
LoansQ3 2020vs Q3 2019$437.5MM$438.7MM
DepositsQ3 2020vs Q3 2019$679.8MM$585.1MM
Equity CapitalQ3 2020vs Q3 2019$58.7MM$56.1MM
Loan Loss AllowanceQ3 2020vs Q3 2019$1.5MM$1.3MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$4.0MM$619.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$356.00K
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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

0.10%*$25k*-Premier IRA Savings Account
OTHER TIERS: 0.05% Up to $5k | 0.07% $5k - $25k
0.05%*$5k*-Premium Share Account
OTHER TIERS: 0.03% $5 - $5k
0.05%*$5k*-Business Premium Share Account
OTHER TIERS: 0.03% $5 - $5k
0.03%$1-Regular Share Account
0.03%$5-Holiday Club Account
0.03%$5-You Name It Club Account
0.03%$1-Business Regular Share Account

NIH Federal Credit Union Money Market Rates

0.07%*$25k*-Premier Advantage Money Market
OTHER TIERS: 0.03% Up to $10k | 0.05% $10k - $25k
0.07%*$25k*-Business Premier Advantage Money Market
OTHER TIERS: 0.03% Up to $10k | 0.05% $10k - $25k

NIH Federal Credit Union Checking Account Rates

0.03%--TotalCare Checking

NIH Federal Credit Union CD Rates

5.00%$500-5 Month Youth Saver CD
5.00%$500-5 Month Youth Saver Relationship CD
0.20%$500-36 Month CD
0.20%$500-60 Month CD
0.20%$500-36 Month Relationship CD
0.20%$500-60 Month Relationship CD
0.15%$500-15 Month Add-On CD
0.15%$500-15 Month Bump-Up CD
0.15%$500-24 Month CD
0.15%$500-30 Month Bump-Up CD
0.15%$500-15 Month Add-On Relationship CD
0.15%$500-15 Month Bump-Up Relationship CD
0.15%$500-24 Month Relationship CD
0.15%$500-30 Month Bump-Up Relationship CD
0.15%$500-18 Month Featured CD
0.15%$500-18 Month Relationship Featured CD
0.15%$10k-24 Month Featured CD
0.15%$10k-24 Month Relationship Featured CD
0.10%$500-6 Month CD
0.10%$500-7 Month CD
0.10%$100k-12 Month Jumbo CD
0.10%$500-6 Month Relationship CD
0.10%$500-7 Month Relationship CD
0.10%$100k-12 Month Jumbo Relationship CD
0.10%$500-12 Month Featured CD (New Money)
0.10%$500-12 Month Relationship Featured CD (New Money)
0.10%$500-10 Month CD
0.10%$500-10 Month Relationship CD
0.07%$500-3 Month CD
0.07%$500-3 Month Relationship CD

NIH Federal Credit Union IRA Rates

0.20%$500-36 Month IRA
0.20%$500-60 Month IRA
0.20%$500-36 Month Relationship IRA
0.20%$500-60 Month Relationship IRA
0.15%$500-15 Month Add-On IRA
0.15%$500-15 Month Bump-Up IRA
0.15%$500-24 Month IRA
0.15%$500-30 Month Bump-Up IRA
0.15%$500-15 Month Add-On Relationship IRA
0.15%$500-15 Month Bump-Up Relationship IRA
0.15%$500-24 Month Relationship IRA
0.15%$500-30 Month Bump-Up Relationship IRA
0.15%$500-18 Month Featured IRA
0.15%$500-18 Month Relationship Featured IRA
0.15%$10k-24 Month Featured IRA
0.15%$10k-24 Month Relationship Featured IRA
0.10%$500-6 Month IRA
0.10%$500-7 Month IRA
0.10%$500-6 Month Relationship IRA
0.10%$500-7 Month Relationship IRA
0.10%$500-12 Month Relationship Featured IRA (New Money)
0.10%$500-12 Month Featured IRA (New Money)
0.10%$500-10 Month IRA
0.10%$500-10 Month Relationship IRA
0.07%$500-3 Month IRA
0.07%$500-3 Month Relationship IRA

NIH Federal Credit Union Locations
Branch Office2200 Pennsylvania Ave NWWashington, DC 20037
Branch Office111 Rockville Pike Ste 500Rockville, MD 20850
Branch Office5601 Fishers Lane Rm 1H1079Rockville, MD 20852
Corporate Office111 Rockville Pike Ste 990Rockville, MD 20850
Branch Office1308 E West HwySilver Spring, MD 20910-3232

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