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NIH Federal Credit Union

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Based on 2 reviews

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CURRENT TOP RATE

5 Month Youth Saver CD

Overview / Commentary

301-718-0208

111 Rockville Pike, Ste 500
Rockville, MD 20850

NIH Federal Credit Union is headquartered in Rockville and is the 11^th largest credit union in the state of Maryland. It is also the 471^st largest credit union in the nation. It was established in 1940 and as of June of 2020, it had grown to 120 employees and 42,127 members at 5 locations. NIH Federal Credit Union has an A 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

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

A

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #	3601
Year Chartered	1940
Employees	120
Primary Regulator

Profit Margin
Return on Assets - YTD	0.16%
Return on Equity - YTD	1.92%
Annual Interest Income	$10.1MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$737.5MM$663.5MM
Loans	Q2 2020vs Q2 2019	$446.1MM$435.9MM
Deposits	Q2 2020vs Q2 2019	$666.2MM$593.6MM
Equity Capital	Q2 2020vs Q2 2019	$59.2MM$56.6MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$1.5MM$1.6MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$985.00K$970.00K
Real Estate Owned	Q2 2020vs Q2 2019	$0$356.00K

Rates

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Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$25k^*	-	Premier IRA Savings Account
OTHER TIERS: 0.20% → Up to $5k \| 0.25% → $5k - $25k
0.15%^*	$5k^*	-	Premium Share Account
OTHER TIERS: 0.05% → $5 - $5k
0.15%^*	$5k^*	-	Business Premium Share Account
OTHER TIERS: 0.05% → $5 - $5k
0.05%	$1	-	Regular Share Account
0.05%	$5	-	Holiday Club Account
0.05%	$5	-	You Name It Club Account
0.05%	$1	-	Business Regular Share Account

NIH Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$25k^*	-	Premier Advantage Money Market
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $25k
0.25%^*	$25k^*	-	Business Premier Advantage Money Market
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $25k

NIH Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	TotalCare Checking

NIH Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%	$500	-	5 Month Youth Saver CD
5.00%	$500	-	5 Month Youth Saver Relationship CD
0.60%	$10k	-	24 Month Featured CD
0.60%	$10k	-	24 Month Relationship Featured CD
0.55%	$500	-	18 Month Featured CD
0.55%	$500	-	18 Month Relationship Featured CD
0.50%	$100k	-	12 Month Jumbo Relationship CD
0.50%^*	$10k^*	-	30 Month Bump-Up Relationship CD
OTHER TIERS: 0.40% → $500 - $10k
0.50%	$500	-	60 Month Relationship CD
0.50%	$500	-	12 Month Featured CD (New Money)
0.50%	$500	-	12 Month Relationship Featured CD (New Money)
0.50%	$500	-	10 Month CD
0.50%	$500	-	10 Month Relationship CD
0.45%	$500	-	15 Month Add-On CD
0.45%	$500	-	15 Month Bump-Up CD
0.45%	$500	-	15 Month Add-On Relationship CD
0.45%	$500	-	15 Month Bump-Up Relationship CD
0.40%^*	$10k^*	-	7 Month Relationship CD
OTHER TIERS: 0.30% → $500 - $10k
0.40%	$500	-	24 Month Relationship CD
0.40%	$500	-	36 Month Relationship CD
0.35%	$100k	-	12 Month Jumbo CD
0.35%^*	$10k^*	-	30 Month Bump-Up CD
OTHER TIERS: 0.25% → $500 - $10k
0.35%	$500	-	60 Month CD
0.25%	$500	-	6 Month CD
0.25%^*	$10k^*	-	7 Month CD
OTHER TIERS: 0.15% → $500 - $10k
0.25%	$500	-	24 Month CD
0.25%	$500	-	36 Month CD
0.25%	$500	-	6 Month Relationship CD
0.15%	$500	-	3 Month CD
0.15%	$500	-	3 Month Relationship CD

NIH Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$10k^*	-	30 Month Bump-Up Relationship IRA
OTHER TIERS: 0.65% → $500 - $10k
0.75%	$500	-	60 Month Relationship IRA
0.65%^*	$10k^*	-	7 Month Relationship IRA
OTHER TIERS: 0.55% → $500 - $10k
0.65%	$500	-	24 Month Relationship IRA
0.65%	$500	-	36 Month Relationship IRA
0.60%^*	$10k^*	-	30 Month Bump-Up IRA
OTHER TIERS: 0.50% → $500 - $10k
0.60%	$500	-	60 Month IRA
0.60%	$10k	-	24 Month Featured IRA
0.60%	$10k	-	24 Month Relationship Featured IRA
0.50%^*	$10k^*	-	7 Month IRA
OTHER TIERS: 0.40% → $500 - $10k
0.50%	$500	-	24 Month IRA
0.50%	$500	-	36 Month IRA
0.50%	$500	-	12 Month Relationship Featured IRA (New Money)
0.50%	$500	-	12 Month Featured IRA (New Money)
0.50%	$500	-	18 Month Featured IRA
0.50%	$500	-	18 Month Relationship Featured IRA
0.50%	$500	-	10 Month IRA
0.50%	$500	-	10 Month Relationship IRA
0.45%	$500	-	15 Month Add-On IRA
0.45%	$500	-	15 Month Bump-Up IRA
0.45%	$500	-	15 Month Add-On Relationship IRA
0.45%	$500	-	15 Month Bump-Up Relationship IRA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	6 Month Relationship IRA
0.15%	$500	-	3 Month IRA
0.15%	$500	-	3 Month Relationship IRA

Locations

NIH Federal Credit Union Locations
Branch Office	2200 Pennsylvania Ave NW	Washington, DC 20037
Branch Office	111 Rockville Pike Ste 500	Rockville, MD 20850
Branch Office	5601 Fishers Lane Rm 1H1079	Rockville, MD 20852
Corporate Office	111 Rockville Pike Ste 990	Rockville, MD 20850
Branch Office	1308 E West Hwy	Silver Spring, MD 20910-3232

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