Credit union · NCUA insured
NIHFCU Savings Rates
NIHFCU’s best savings rate is 0.10% APY on $10,000, with its Premier Advantage Money Market. Rates checked October 22, 2026.
How NIHFCU’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where NIHFCU has the most branches. $10,000, best rate first.
This credit union’s best
NIHFCU
0.10%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $10
Premier Advantage Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
NIHFCU savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where NIHFCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier Advantage Money Market
0.10%APY
Earn tiered rates with higher dividends for balances of $25,000 or more. No minimum balance required to open. Add to balance at any time. Dividends are credited and compounded monthly. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends are credited and compounded monthly. Fees may reduce earnings. | 0.01% | — | Dividends are credited and compounded monthly. Fees may reduce earnings. |
| $10,000 – $25,000Dividends are credited and compounded monthly. Fees may reduce earnings. | 0.10% | $10 | Dividends are credited and compounded monthly. Fees may reduce earnings. |
| $25,000 and upDividends are credited and compounded monthly. Fees may reduce earnings. | 0.20% | — | Dividends are credited and compounded monthly. Fees may reduce earnings. |
Sources (2)
All captured Oct 4, 2026
Premium Share Account
0.03%APY
Dividends credited and compounded monthly. Earn higher dividends on balances of $5,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Dividends are credited and compounded monthly. Fees may reduce earnings. | 0.01% | — | Dividends are credited and compounded monthly. Fees may reduce earnings. |
| $5,000 and upDividends are credited and compounded monthly. Fees may reduce earnings. | 0.03% | $3 | Dividends are credited and compounded monthly. Fees may reduce earnings. |
Sources (2)
All captured Oct 22, 2026
Regular Share Account
0.01%APY
Required to establish and maintain NIHFCU membership. NIHFCU will make the $1 initial minimum deposit on your behalf to start your membership. Dividends credited and compounded monthly. Deposit additional funds during account opening or at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upDividends are credited and compounded monthly. Fees may reduce earnings.$1 and up | 0.01% | $1 | Dividends are credited and compounded monthly. Fees may reduce earnings. |
Sources (2)
All captured Oct 22, 2026
You Name It Account
0.01%APY
Dividends are credited and compounded monthly. Save for a specific goal such as a vacation, a major purchase, or gift.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are credited and compounded monthly. Fees may reduce earnings.Any balance | 0.01% | $1 | Dividends are credited and compounded monthly. Fees may reduce earnings. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Premier Traditional & Roth IRA Savings Account
0.25%APY
Traditional and Roth IRA savings. NIHFCU IRA products are not available online (must call or visit a branch). No minimum starting balance required. Make ongoing deposits through payroll deduction or whenever you want.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000NIHFCU IRA products are not available online. Please stop by any branch or call 1-800-877-6440 to start an IRA account. Fees may reduce earnings. | 0.25% | — | NIHFCU IRA products are not available online. Please stop by any branch or call 1-800-877-6440 to start an IRA account. Fees may reduce earnings. |
| $5,001 – $25,000NIHFCU IRA products are not available online. Please stop by any branch or call 1-800-877-6440 to start an IRA account. Fees may reduce earnings. | 0.25% | $25 | NIHFCU IRA products are not available online. Please stop by any branch or call 1-800-877-6440 to start an IRA account. Fees may reduce earnings. |
| $25,001 and upNIHFCU IRA products are not available online. Please stop by any branch or call 1-800-877-6440 to start an IRA account. Fees may reduce earnings. | 0.25% | — | NIHFCU IRA products are not available online. Please stop by any branch or call 1-800-877-6440 to start an IRA account. Fees may reduce earnings. |
Sources (2)
All captured Oct 22, 2026
Holiday Club Account
0.01%APY
Dividends are credited and compounded monthly. Plan ahead for holiday gifts and celebrations all year long. On November 1, funds will automatically transfer to your share account for access.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are credited and compounded monthly. Fees may reduce earnings.Any balance | 0.01% | $1 | Dividends are credited and compounded monthly. Fees may reduce earnings. |
Sources (2)
All captured Oct 22, 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.