Credit union · NCUA insured
NIHFCU
A $825.5M credit union headquartered in Rockville, MD, with 40,745 members and 6 branches in Maryland. Best rates: CDs 5.00% and savings 0.10% APY.
NIHFCU Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#49 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NIHFCU
Founded in 1940 by nine scientists pooling savings, NIH Federal Credit Union offers financial solutions primarily for the biomedical and healthcare communities.
The member-owned cooperative serves healthcare communities across Washington, D.C., Maryland, Virginia, and nationwide.
- Headquarters
- 111 Rockville Pike Ste 500, Rockville, MD 20850
- NCUA charter
- 3601
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Applicants can qualify for NIHFCU membership by accepting a complimentary membership to the American Consumer Council opened on their behalf by NIHFCU.
Employers and groups
- Employees, members, students, faculty, staff, or affiliates of designated NIHFCU@work partner organizations are eligible for membership.
Military, government and schools
- Affiliation with the National Institutes of Health as an employee, contractor, fellow, volunteer, or retiree/pensioner qualifies for membership.
Family and household
- Immediate family members (child, sibling, parent, grandchild, grandparent) or individuals sharing household responsibility with a current NIHFCU member are eligible for membership.
Cost to join
- A required $1 deposit is made by NIHFCU to open membership.
Branches
6 branches in Maryland
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Maryland
6 branches
- Corporate OfficeMain office111 Rockville Pike Ste 500, Rockville, MD 20850Directions
- Branch9000 Rockville Pike Bldg 10, Room B1-C25, Bethesda, MD 20892Directions
- Branch111 Rockville Pike Ste 100, Rockville, MD 20850Directions
- Fishers Lane (NIAID)5601 Fishers Lane, Rm 1H1079, Rockville, MD 20852Directions
- The National Cancer Institute (NCI) Shady Grove9609 Medical Center Dr, Rm 1E266, Rockville, MD 20850Directions
- Branch1308 E West Hwy, Silver Spring, MD 20910Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.94% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.68% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio7.94%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.68%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of NIHFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.