NIH Federal Credit Union

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Based on 2 reviews

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CURRENT TOP RATE

5 Month High Five Featured CD

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.35%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
0.25%	1-year CD	2.65% - Barclays 12 Month Online CD
0.05%	Savings	2.00% - 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 468^th largest credit union in the nation. It was established in 1940 and as of September of 2018, it had grown to 109 employees and 38,739 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:

2018
2009
2007

8/27 - NIH Credit Union 2.50% 12-Month, 1.75% 15-Month Bump-Up
7/29 - NIHFCU High-Five Youth Saver Account 5% (5 months only)

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

7/14 - Expired: 7.00% 7-Month CD at a Maryland CU - $7K Max (NIH).

Reviews (2)

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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.

Comment

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 Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	3601
Year Chartered	1940
Employees	109
Primary Regulator

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	6.15%
Annual Interest Income	$13.3MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$614.4MM$598.2MM
Loans	Q3 2018vs Q3 2017	$429.5MM$375.8MM
Deposits	Q3 2018vs Q3 2017	$557.2MM$541.2MM
Equity Capital	Q3 2018vs Q3 2017	$48.6MM$48.3MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$1.5MM$1.7MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$1.5MM$2.3MM
Real Estate Owned	Q3 2018vs Q3 2017	$356.00K$640.00K

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
0.75%^*	$25k^*	-	Premier IRA Savings Account
OTHER TIERS: 0.34% → Up to $5k \| 0.50% → $5k - $25k
0.07%^*	$5k^*	-	Premium Share Account
OTHER TIERS: 0.05% → $5 - $5k
0.07%^*	$5k^*	-	Business Premium Share Account
OTHER TIERS: 0.05% → $5 - $5k
0.05%	$25	-	Regular Share Account
0.05%	$5	-	Holiday Club Account
0.05%	$5	-	You Name It Club Account
0.05%	$25	-	Business Regular Share Account

NIH Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$25k^*	-	Premier Advantage Money Market
OTHER TIERS: 0.20% → Up to $10k \| 0.30% → $10k - $25k
0.40%^*	$25k^*	-	Business Premier Advantage Money Market
OTHER TIERS: 0.20% → Up to $10k \| 0.30% → $10k - $25k

NIH Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%	$500	-	5 Month High Five Featured CD
5.00%	$500	-	5 Month High Five Relationship Featured CD
2.75%	$500	-	18 Month Featured CD
2.75%	$500	-	18 Month 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	$10k	15 Month Bump-Up CD
1.75%	$10k	$10k	15 Month Bump-Up Relationship CD
1.75%	$500	-	15 Month Bump-Up Featured CD
1.75%	$500	-	15 Month Relationship Bump-Up Featured CD
1.50%	$10k	-	10 Month Featured CD
1.50%	$10k	-	10 Month Relationship Featured CD
1.00%	$500	-	6 Month Relationship CD
0.75%	$500	-	6 Month CD
0.75%	$500	-	3 Month Relationship 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%	$500	-	3 Month 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%	$500	-	36 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
0.25%^*	$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%	$500	-	36 Month CD

NIH Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.75%	$500	-	18 Month Featured IRA
2.75%	$500	-	18 Month Relationship Featured IRA
2.50%	$500	-	12 Month Relationship Featured IRA (New Money)
2.50%	$500	-	12 Month Featured IRA (New Money)
1.75%	$500	$10k	15 Month Bump-Up IRA
1.75%	$500	$10k	15 Month Bump-Up Relationship 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
1.25%	$500	-	6 Month Relationship IRA
1.00%	$500	-	6 Month IRA
1.00%	$500	-	3 Month Relationship 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%	$500	-	3 Month 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%	$500	-	36 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
0.50%^*	$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%	$500	-	36 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

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