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 512th largest credit union in the nation. It was established in 1940 and as of June of 2023, it had grown to 125 employees and 50,449 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 anyone through membership in the American Consumer Council. All employees and contractors of the National Institutes of Health (NIH) and 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 also qualify for membership. Immediate family of a current NIH FCU member are welcome to apply.
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 - YTD-0.32%
Return on Equity - YTD-7.22%
Annual Interest Income$15.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$822.5MM$835.2MM
LoansQ2 2023vs Q2 2022$493.4MM$464.2MM
DepositsQ2 2023vs Q2 2022$760.8MM$775.2MM
Equity CapitalQ2 2023vs Q2 2022$37.1MM$42.0MM
Loan Loss AllowanceQ2 2023vs Q2 2022$4.1MM$3.6MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$2.2MM$1.5MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for NIH Federal Credit Union are currently being reviewed.


NIH Federal Credit Union Locations
Branch Office111 Rockville Pike Ste 500Rockville, MD 20850
Corporate Office111 Rockville Pike Ste 990Rockville, MD 20850
Branch Office1308 E West HwySilver Spring, MD 20910-3232
Branch Office9000 Rockville Pike Bldg 10 Room B1-C25Bethesda, MD 20892
Branch Office9000 Rockville Pike Bldg 31 RM 1A-08Bethesda, MD 20892

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