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NIH Federal Credit Union offers an extensive benefits package for full and part-time employees that include:
Health / Dental / Vision Insurance Health insurance benefits are provided to full time employees.(working 32 hrs) through United Health Care. This coverage includes major medical, hospitalization, and a prescription drugs. Involves employee cost sharing.

Dental and Vision benefits are provided to full associates (working 32 hours) – Dental is through Met Life, and Vision through VSP. Involves employee cost sharing.
Life Insurance NIHFCU provides life insurance and accidental death and dismemberment coverage to full-time employees through Cigna. Coverage amounts for both plans are equivalent to three times annual salary. The Credit Union pays for 100 percent of the monthly premium amount.
Long-term Disability Coverage Long-term disability coverage is provided to full-time associates through Cigna. The Credit Union pays 100 percent of the monthly premium amount.
Vacation Benefits Annual leave is based on years of service as follows:
Full-time Employees
  • All full-time eligible employees: 10 days
  • Director, Manager: 15 days
  • SVP, VP: 20 days
  • CEO, President, EVP: 25 days
  • Part-time employees: Pro-rated
Vacation leave may be carried-over from one calendar year to the next calendar year with a maximum carry over of 240 hours.
Sick Leave Benefits Full-time employees can earn up to 13 days per calendar year which may be carried over to the next year.
Paid Holidays NIHFCU recognizes the following paid holidays
  • New Year’s Day
  • Martin Luther King, Jr.’s Birthday
  • President’s Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans’ Day
  • Thanksgiving Day
  • Christmas Day
401K Retirement Savings Plan NIHFCU offers a 401K Retirement Savings Plan through CUNA Mutual Group. With this plan, employees may defer (up to IRS max) a portion of their bi-weekly earnings on a pre-tax basis. After a year, the Credit Union matches 100 percent of the first 3 percent and 50 percent of the next 3%. Join in 90 days where employer match begins in 1 year. Both full-time and part-time employees may be eligible.
Tuition Assistance Program The Credit Union recognizes the importance of continued education for personal growth and career development. You may apply for assistance for matriculated course work toward a degree or certificate within program parameters.
Employee Assistance Program NIHFCU offers an Employee Assistance Program (EAP) through LifeWork Strategies. The EAP provides counseling and referral services free of charge to all employees and their immediate family members.
SmartBenefits / Free Parking NIHFCU offers free parking at its corporate headquarters and branch locations. In lieu of the parking benefit, associates who currently use public transportation to commute from home to work, and employees who switch from driving to using public transportation can receive up SmartBenefits from NIHFCU. In addition, employees can have up to maximum allowed withheld from their paycheck each month on a pre-tax basis.
Other Benefits Credit Union employees have the opportunity to open a variety of accounts, which include Share Draft (checking). In addition, other savings plans, loans and services are available.
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This summary is presented for information purposes only and does not constitute an employment contract. The Credit Union reserves the right to amend, abolish or interpret benefit plans as conditions warrant.

As of February 1, 2018