The nation's largest credit union serving the biomedical industry.
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Healthy solutions for a healthy business

The National Institutes of Health Federal Credit Union (NIHFCU) specializes in serving the needs of healthcare and biomedical businesses in the mid-Atlantic region. Our carefully-crafted programs are designed to support your business pursuits and help you obtain the resources you may need to make the most of opportunities as they arise.


Financing for all your business needs

Commercial Real Estate Loans

With our MORE (Medical Office Real Estate) program, you can purchase or refinance owner-occupied or investment property (medical office condos, office/apartment buildings or other property types), with exceptional benefits, including:
  • Rates as low as 3.99%
  • Terms up to 10 years
  • Amortization up to 30 years
  • Loans up to $4million
  • No prepayment penalties

To learn more or apply:
call 301.296.2539
send us an email
Request your complimentary no-obligation consultation

Rates and terms as of 9/22/2016 subject to change at any time

Working Capital Loans/Lines of Credit

With our Working Capital Lines of Credit you can create access to funds that are there to support your business when you need them (supplies, equipment, cover cash flow & payroll needs, and more):
  • Loan amounts to $100,000
  • Fixed and Variable Rate options
  • No prepayment penalty
  • No annual repayment requirement

To learn more or apply:
call 301.296.2539
send us an email
Request your complimentary no-obligation consultation

Rates and terms as of 9/22/2016 subject to change at any time

Equipment Loans

With our Equipment loan you can purchase new equipment or refinance existing equipment:
  • Loans amounts to $750,000
  • Terms as long as 12 years
  • Fully amortized
  • No prepayment penalty

To learn more or apply:
call 301.296.2539
send us an email
Request your complimentary no-obligation consultation

Rates and terms as of 9/22/2016 subject to change at any time

SBA loans

With our SBA loan options you can start/purchase a new business, purchase/refinance owner-occupied real estate, purchase/refinance equipment, and more:
  • Loans to $5,000,000
  • Terms to 25 years
  • Fully amortized
  • Low down payment requirements
  • No prepayment penalties on loan terms up to 15 years

To learn more or apply:
call 301.296.2539
send us an email
Request your complimentary no-obligation consultation

Rates and terms as of 9/22/2016 subject to change at any time

Business Visa® Rewards Credit Card

Our Business Visa Rewards Card offers exceptional value for small business and medical practice owners.

or apply



Or, to apply or to speak to a representative, call 866.398.4892


Dedicated to our local healthcare community

We customize affordable loan programs for biomedical and healthcare businesses located in Maryland, North Carolina, Virginia, Washington DC, and West Virginia, including:

  • Assisted Living facilities providing healthcare services
  • Blood, organ and tissue banks
  • Emergency Medical Care
  • Ambulatory care providers
  • Health clinics
  • Health rehabilitation centers
  • HMO medical facilities
  • Home Health Care
  • Hospices
  • Hospitals
  • Medical and diagnostic labs
  • Medical transcription services
  • Nursing Homes
  • Pain Centers
  • Paramedic Services
  • Medical Research Facilities
  • Pharmacy Services
  • Rehab centers providing medical treatment
  • Offices of:
    Chiropractors
    Surgeons
    Dentists
    Orthopedics
    Licensed therapists
    Optometrists
    Physicians
    Podiatrists
    Psychologists
    Psychiatrists
    Orthopedists
    Radiologists
    Rehabilitation centers providing medical treatment

Whether you are a current or aspiring business owner, we are ready to help you and your business achieve success.



Or, to apply or to speak to a representative, call 866.398.4892

    
           




Or, to apply or to speak to a representative, call 866.398.4892.
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"I can’t say enough great things about my experiences with NIHFCU. I have had three separate loans with NIHFCU and have been pleased with how professional and helpful each person has been. I would not go anywhere else, nor would I recommend others to go anywhere else for their small business needs.

- Michael G., DDS
  Lansdowne, VA.

(see more below)
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REVIEW SNAPSHOT®

by PowerReviews
NIHFCUBusiness Loan
 
5.0

(based on 3 reviews)

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(3 of 3 customers found this review helpful)

 
5.0

LOVE DEALING WITH NIHFCU!

By TG HSRL

from Mount Jackson, VA

Verified Buyer

Comments about NIHFCU Business Loan:

I love working with NIHFCU for all my loan/business needs. I enjoy getting to know colleagues connected with the credit union as well. NIHFCU does a great job connecting their members!

  • Credit Union Member Since:
  • 2012
  • Type of Business:
  • Medical Research
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(3 of 3 customers found this review helpful)

 
5.0

EXCELLENT SERVICE!

By OFD

from Oakton va

Verified Buyer

Comments about NIHFCU Business Loan:

NIH recently consolidated our loan and made the process fast and easy. For confidentiality purposes, we really appreciated the personal touch of picking up and returning packets of information. Great SERVICE and would highly recommend NIH

  • Type of Business:
  • Dental
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(3 of 3 customers found this review helpful)

 
5.0

Fantastic service

By Dr. Akbar

from laurel, MD

Verified Buyer

Comments about NIHFCU Business Loan:

I refinanced my dental practice, my office condo and obtained a line of credit with extreme ease. All this at a great rate! I wish I had known of them sooner and would have avoided the "big banks".

  • Credit Union Member Since:
  • 2012
  • Type of Business:
  • Dental Practice
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Member Ratings and Reviews is designed to allow members to rate their experience with certain products and services offered by NIHFCU. Ratings and reviews are submitted by members voluntarily and are screened for acceptance in accordance with the Moderation Guidelines and SiteTerms prior to publication. Please see the Moderation Guidelines for details regarding which reviews are published.

Product or service requirements, price, availability and features may vary based on member's individual circumstances as well as laws and the product or service contracts, and location. NIHFCU cannot guarantee the accuracy of member posts. Views and opinions expressed by members are for informational purposes only and should not be deemed an endorsement by NIHFCU.

Ratings and Reviews are powered by BazaarVoice, a third-party vendor not affiliated with NIH Federal Credit Union. If you have additional questions or concerns about Ratings & Reviews or would like to verify a review’s authenticity, please contact us.