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Here is how to reach us!

Chat with us virtually online

Can’t make it to a branch or need quick assistance with your NIHFCU membership or account?  We offer two convenient options available on you desktop or mobile device:

Ask Gene

  • Our virtual assistance is available 24/7 to answer and provide suggestions to many of the most popular inquiries we receive from our members

Virtual Banker Assistants (inside online banking)

  • For account specific inquiries, chat in real-time with a virtual banker inside online banking.

  • Members can elect to type or speak with an NIHFCU associate (phone only or face-to-face video a video feed).

  • Virtual bankers are available inside online banking from Monday – Friday from 9am – 4pm (eastern)


>>> To access either of these conveniences, click on the “chat bubble” icon on the lower right of your screen

By Phone: Member and Account Services

Member & Account Services: 

  • 301-718-0208 or 800-877-6440

  • 301.881.5822 (TDD/TTY)

Call center hours are Monday – Friday: 8am – 7pm (eastern) and Saturday: 8am – 1pm (eastern).

Automated Telephone Banking (Access 24):

  • 800-900-0644

Business Deposits:

  • 301-718-0208 or 800-877-6440

NIHFCU Wealth Advisors – Retirement, Investment and Insurance Planning:

  • 301-296-0678

By Phone: Loans

Auto & Consumer Loans

  • 301-718-4748 or 855-852-4748

Mortgage/Home Equity

  • 855-203-4747 (sales and applications, or to reach an individual loan counselor)

  • 301-718-4745 (servicing)

Business Loans

  • 877-398-4892

  • 301-348-2070 (business credit cards)

By Phone: Access 24 telephone banking

Access your accounts 24/7 by dialing 800-900-0644

  • Check your balances, recent transactions or transfer funds fast, anytime and anywhere

  • Make balance inquiries on your checking or savings accounts, credit cards, and loans

  • Transfer funds between NIHFCU accounts

  • Hear recent transactions

  • Take an advance on your line-of-credit

If you do not have your Access 24 code or need assistance, please call us at 800-877-6440 or visit any NIHFCU branch.

By Phone: Credit and Debit Cards

Card Services – 24 hours

  • 855-589-4472 (U.S.)

  • 303-967-1096 (International)

To report a lost or stolen card

  • 800-449-7728 (credit cards)

  • 800-877-6440 (debit cards)

Note: If your card has been lost or stolen, we strongly recommend that you use Card Controls inside online banking or our mobile app to immediately block non-recurring transactions.

Note: You can visit any NIHFCU branch for immediate replacement of a lost or stolen debit card (a $5 replacement fee applies for lost cards)

Card Activation

  • 800-631-3197 (credit)

  • 866-985-2273 (debit)

Card PIN Selection

  • 888-866-0083 (credit)

  • 866-985-2273 (debit)

CU Rewards

  • 800-637-7728

Business Credit Cards

  • 301-296-2539

By Email

Secure Messaging:

  • For account-specific inquiries, or to submit loan or other documents containing sensitive information (i.e. account or social security number), please use our secure email platform

  • Secure emails can also be sent inside online banking or our mobile app. Login then select “Tools & Resource” and then “Message Center” to begin

General Correspondence:

  • For general NIHFCU and membership inquiries/correspondence without sensitive information at

By Mail

General Correspondence

  • NIH Federal Credit Union, PO Box 6475, Rockville, MD 20849-6475


  • NIH Federal Credit Union, Department 2730, PO BOX 986500, Boston MA 02298-6500

Mortgage Payments

  • NIH Federal Credit Union, Department 2730, PO BOX 986500, Boston MA 02298-6500

Loan / Equity Payments

  • NIH Federal Credit Union, Department 2730, PO BOX 986500, Boston MA 02298-6500

Visa Credit Card Payments

  • NIH Federal Credit Union, PO Box 37603, Philadelphia, PA 19101-0603

Note: You can also visit any branch for your loan and deposit transactions.  We also highly recommend considering the services inside online banking and our mobile app for fast, secure and convenience loan and deposit transactions.

New Accounts / Membership

  • NIH Federal Credit Union, PO Box 6475 Rockville, MD 20849-6475

Note: You can also visit any branch to open an account or membership.  We also highly recommend using our online application for fast, secure and convenient account opening.

Human Resources / Employment

  • NIH Federal Credit Union, Attn: Human Resources, PO Box 6475 Rockville, MD 20849-6475

Supervisory Committee

  • PO Box 1482, Rockville, MD 20850

By Fax

Member Support Center

  • 301-770-5372

Auto & Consumer Loans

  • 301-296-3378

Mortgage Services

  • 301-816-9237

Human Resources / Employment

  • 301-296-3434

Branch / Book an Appointment

Visit any NIHFCU branch

  • click here for branch locations, hours and directions

Find network ATM and shared branch locations here

By Virtual Interactive Teller

Many NIHFCU ATM’s now provide a Live Video Teller experience!  With our Interactive Teller Machines – or ITMs – you can choose to see, talk or text chat in real-time with an NIHFCU Video Teller for your ATM and teller-based transaction needs.