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Overview / Commentary
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 455th 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.
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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.

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.



Health
B+

Health Grade Components

Overall
NCUA #3601
Year Chartered1940
Employees91
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD3.09%
Annual Interest Income$7.8MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$569.7MM$559.0MM
LoansQ2 2016vs Q2 2015$343.3MM$300.5MM
DepositsQ2 2016vs Q2 2015$510.6MM$503.0MM
Equity CapitalQ2 2016vs Q2 2015$48.3MM$44.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.6MM$1.1MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$4.1MM$3.2MM
Real Estate OwnedQ2 2016vs Q2 2015$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
0.30%*$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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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*$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%*$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*$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%*$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

APYMINMAXACCOUNT NAMEVIEW 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*$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%*$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*$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%*$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 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