Credit union · NCUA insured
NIHFCU Credit Card Rates
NIHFCU credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How NIHFCU’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where NIHFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NIHFCU
11.74%APR
- Up to
- 16.74% APR
Visa Platinum Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
NIHFCU credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NIHFCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Card
APRs and credit limits vary by card and depend on creditworthiness. Special financing for visiting NIH Fellows available. A balance transfer fee equating to the greater of 2% or $10 applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro on purchases and balance transfers in 1st 15 months; begins at account opening. |
| Ongoing | 11.74%–16.74% | None | Then, a variable APR of currently 11.74% – 16.74% depending on creditworthiness after the introductory period. |
Sources (1)
- nihfcu.org/personal/loans-credit-cards/credit-cards · captured Oct 15, 2026
Visa Platinum Secured
Credit limit based on security deposit provided. APRs and credit limits vary by card and depend on creditworthiness. A balance transfer fee equating to the greater of 2% or $10 applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | None | Currently 12.74% variable APR. |
Sources (1)
- nihfcu.org/personal/loans-credit-cards/credit-cards · captured Oct 15, 2026
Visa Signature Cash Rewards
APRs and credit limits vary by card and depend on creditworthiness. A balance transfer fee equating to the greater of 2% or $10 applies. 3% on gas – up to $6,000 annual spend. Maximum cap of 55,000 Cash and Travel Reward Points per statement cycle.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro on purchases and balance transfers in 1st 15 months; begins at account opening. |
| Ongoing | 14.74%–16.74% | None | Then, a variable APR of currently 14.74% – 16.74% depending on creditworthiness after the introductory period. |
Sources (1)
- nihfcu.org/personal/loans-credit-cards/credit-cards · captured Oct 15, 2026
Visa Signature Travel Rewards
APRs and credit limits vary by card and depend on creditworthiness. A balance transfer fee equating to the greater of 2% or $10 applies. 3% on gas – up to $6,000 annual spend. Maximum cap of 55,000 Cash and Travel Reward Points per statement cycle.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro on purchases and balance transfers in 1st 15 months; begins at account opening. |
| Ongoing | 16.74%–17.74% | None | Then, a variable APR of currently 16.74% – 17.74% depending on creditworthiness after the introductory period. |
Sources (1)
- nihfcu.org/personal/loans-credit-cards/credit-cards · captured Oct 15, 2026
Who can join NIHFCU
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.
Membership information collected October 4, 2026.