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Discover Banking with Heart

Since 1940, we’ve been honored to serve the financial needs of the National Institutes of Health workforce, and a long list of NIHFCU@Work partners, primarily in the healthcare community.  Today, we continue to provide banking solutions to these fine organizations, as well as anyone else who wishes to save more while experiencing “Banking with Heart.”

Almost anyone can join NIH Federal Credit Union and it’s easy to get started! Check your membership eligibility below and then use the Get Started button to begin your online application. 

Note: To open a business account with us, please complete the attached form and a business account specialist will respond swiftly.

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Happy Nurse member forming a heart with her hands
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Membership Eligibility

There are four ways to qualify for NIHFCU membership. 1

  1. Your National Institutes of Health4  affiliation (employee, contractor, fellow, volunteer)

  2. Your affiliation with one of our member organizations 4 (employee, member or student) See a list. NIHFCU@Work Partners 4

  3. Your family relation with a current NIHFCU member (child, sibling, parent, grandchild, grandparent, or share household responsibility)

  4. Or, none of the above? we’ll open a free membership for you to the American Consumer Council, a non-profit Consumer Education organization. It requires no work on your part and qualifies you immediately for NIHFCU membership.

Now that you’ve determined your eligibility, let’s get started. We recommend our secure online membership application 2,3, but you can also visit any NIHFCU branch, or mail us your application.

Be sure to have your Social Security or Individual Taxpayer Identification Number, proof of eligibility, and your government-issued photo ID (i.e. Driver’s license, passport, etc.) as you will need them during the process.

Note: To open a business account with us, please complete the attached form and a business account specialist will respond swiftly.

Speak to a specialist
Qualify for NIHFCU membership
Financial wellness begins and ends with the facts. Here’s what you need to know!

1 The NIHFCU will deposit the initial $1 required to establish your new membership.  However, you will have the opportunity to make additional deposits during account opening.

2 You must be at least 18 years of age for an individual membership. If you are under 18 years of age, a parent or guardian must be a joint owner with you on the account and an NIHFCU member.

3 For the security of your account and the Credit Union, all new accounts are verified through Deluxe Detect and are subject to the requirements of the Patriot Act. To help the government fight the fund-ing of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, street address, date of birth, tax identification number and other information that will identify you. We may ask to see your driver’s license and/or other identifying documents.4 This option requires proof of affiliation with the NIH (work ID, pay stub, etc.).