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NIH Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
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Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
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Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.nihfcu.org
301-718-0208
111 Rockville Pike Ste 500
Rockville, MD 20850

NIH Federal Credit Union is headquartered in Rockville and is the 12th largest credit union in the state of Maryland. It is also the 536th largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 131 employees and 44,201 members at 5 locations. NIH Federal Credit Union 's CD rates are 4X the national average, and it 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

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #3601
Year Chartered1940
Employees131
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD10.2%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$817.6MM$798.1MM
LoansQ1 2025vs Q1 2024$492.2MM$488.1MM
DepositsQ1 2025vs Q1 2024$752.6MM$742.7MM
Equity CapitalQ1 2025vs Q1 2024$45.3MM$34.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.6MM$7.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.7MM$2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%*$5k*-Premium Share Account
OTHER TIERS: 0.01% → $5 - $5k
0.03%*$5k*-Business Premium Share Account
OTHER TIERS: 0.01% → $5 - $5k
0.01%$1-Regular Share Account
0.01%$5-Holiday Club Account
0.01%$5-You Name It Club Account
0.01%$1-Business Regular Share Account

NIH Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Premier Advantage Money Market
OTHER TIERS: 0.01% → $0 - $10k | 0.10% → $10k - $25k
0.20%*$25k*-Business Premier Advantage Money Market
OTHER TIERS: 0.01% → $0 - $10k | 0.10% → $10k - $25k

NIH Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-6 Month Youth Saver
4.00%$500-3 Month CD
3.75%$500-6 Month CD
3.65%$10k-9 Month CD
3.50%$100k-12 Month Jumbo CD
3.10%$500-36 Month CD
3.00%$500-12 Month CD
3.00%$500-60 Month CD
2.25%$500-18 Month CD
2.25%$500-24 Month CD
2.00%$500-15 Month Bump-Up CD
2.00%$500-30 Month Bump-Up CD

NIH Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-3 Month IRA
3.75%$500-6 Month IRA
3.65%$10k-9 Month IRA
3.10%$500-36 Month IRA
3.00%$500-12 Month IRA
3.00%$500-60 Month IRA
2.25%$500-18 Month IRA
2.25%$500-24 Month IRA
2.00%$500-15 Month Bump-Up IRA
2.00%$500-30 Month Bump-Up IRA
0.20%*$25k*-Premier IRA Savings Account
OTHER TIERS: 0.01% → $0 - $5k | 0.10% → $5k - $25k
Locations


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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