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We're here for you!

The NIHFCU recognizes that the COVID19 pandemic has created, or may create, financial hardship.   During these challenging times, we are committed to helping you in any way that we can, based upon your individual needs.

Financial Assistance for Current NIHFCU Borrowers

  • If you have an NIHFCU loan and your income has been impacted by COVID19, contact us to discuss financial assistance options at 301-348-2073 or email us here 

  • A trained NIHFCU financial counselor will consult with you on your specific needs and discuss an payment relief solution that is appropriate your situation.

Deposit and Saving Account Assistance

  • If you have a certificate with us and need access to your deposit funds, we have temporarily waived all early withdrawal fees.

  • As of 4/29/2020, the normal 6 electronic transfers per month limit on NIHFCU savings and money markets accounts has been temporarily suspended.

Small Business Loans and PPP

Auto Loan Refinancing

  • Refinancing an auto loan with NIHFCU can quickly save you hundreds or more with no payments due for 90 days.1  Our super low rates can also yield lower monthly payments for the balance of your loan after the 90 day no-payment

  • Apply here, call us at 301-718-4748 or send us an email to be contacted

Investment & Brokerage Accounts

  • For investment or brokerage accounts with NIHFCU, please contact NIHFCU Wealth Advisors at 301.296.0643 or email rappling@nihfcu.org

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Branch Access

The latest information around branch and ATM access – as of May 22.

Branches temporarily closed until further notice

  • NIH-Building 31 – as of March 18.  The exterior facing ATM, with the Live Video Teller option, remains available.

  • Fishers Lane (NIAID) – as of March 23.  The ATM, with the Live Video Teller option,  remains available.

  • National Cancer Institute (NCI) – as of March 23. The ATM remains available.

  • Sibley Hospital – as of March 26.  The Building C cafeteria ATM remains available.

  • NIH-Clinical Center – as of April 1. All ATMs, including those with with the Live Video Teller option,  remain available.

Branches currently open with hours of 10:00am-2:00pm

  • Pennsylvania Avenue

  • Rockville Metro Plaza

  • Silver Spring

At all open branches, access is restricted to no more than 2 individuals at any time. Family members (excluding infants) who are not transacting business will be required to wait outside the facility.

  • A Facemask is required to be worn by any patron to enter and receive service in any NIHFCU branch.  A mask will be provided at the branch (while supplies last) if needed.

  • Members can wait for service from outside the branch. A representative with a sign-in sheet will be available and members will be allowed to enter the branch upon their name being called. For everyone’s safety, please follow the queueing instructions provided at each location.

  • At  Rockville Metro Plaza NIH-Clinical Center and Pennsylvania Avenue, transactions will be performed by staff from behind the glass-enclosed teller-counter only.

  • At Silver Spring, members can make an appointment with the on-location NIHFCU representative to secure a specific time slot if necessary.

NIHFCU ATMs and Live Video Tellers

  • NIHFCU ATMs remain available at their normal operating hours.

  • The Live Video Teller option at select ATMs is also available from 8am-4pm (M-F) and 8am-2pm (Sat.)

Shared Branch and Surcharge-Free Cash Dispenser locations

Members can use over 30,000 Co-op surcharge-free ATMs nationwide for cash withdrawals. Over 5,000 Shared branch locations are also available for teller-assisted transactions.  Click here to search for a location.  We recommend calling ahead to confirm hours and access.

>>> NIHFCU is placing highest priority on monitoring the information coming from Centers for Disease Control in order to respond appropriately to this developing situation. Among the steps we have taken thus far are:

  • Regular sanitizing of all branch surfaces, as well as our ATMs located in and in close proximity to our branch locations

  • Branch staff wearing protective gloves when handling cash and/or applying sanitizer after each member transaction

  • Making additional sanitizing material available at our locations for those who desire additional precautions

  • Ongoing testing of all critical systems to ensure full remote functionality in case of any imposed partial or full quarantine

>>> At the NIHFCU, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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Banking Alternatives

We continue to strongly recommend that all members use our complimentary digital banking services to support many, if not most, of your everyday transactional needs during this unusual period.

Online Banking Login

  • Check balances and account activity

  • Make transfers and pay bills

  • Activate account alerts & notification to your email or mobile device

  • Manage your credit and debit card access

  • Apply for NIHFCU loans and more

Enroll in Online Banking

Apple or Android Mobile App

  • Do everything you can do in online banking PLUS

  • Deposit checks right from your device with a couple of clicks and taps

Download your Mobile App

Access 24 Telephone Banking

  • Check your balances, transfer funds and more by making selections on your phone’s key pad.

Enroll in Telephone Banking

Mobile Payments

  • Pay at the register without swiping or inserting your NIHFCU credit or debit card

Register your cards

Visit an ATM/ITM Location

ATM Locations

ITM Locations

Should you need support with your account, or activating any of these services, please call us at 800.877.6440.

Thank you for your patience and understanding.   We wish you, and your family, health and safety at this challenging time.

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Coronavirus Update [4/20/2020] – Current operating update

(4:30pm – EST) –  Here is the latest update on the NIHFCU temporary Branch and ATM accessibility

Branches closed until further notice.

  • NIH-Clinical Center –  All ATMs including those with the Live Video Teller Option remain available.

  • Sibley Hospital – The ATM at the Building C cafeteria ATM remains available

  • NIH-Building 31 – The exterior facing ATM with the Live Video Teller Option remains available.

  • Fishers Lane (NIAID) – The ATM with the Live Video Teller Option remains available.

  • National Cancer Institute (NCI) branch – The ATM remains available.

Branches currently open with hours of 10:00 am-2:00 pm

  • Pennsylvania Avenue (Mon-Fri)

  • Rockville Metro Plaza (Mon-Sat)

  • Silver Spring (Mon-Sat)

At all open branches, access will be restricted to no more than 2 persons at a time. Family members (excluding infants) who are not transacting business will be required to wait outside the facility.  Facemasks are required to be worn at all times while inside any NIHFCU branch. 

  • Members can wait for service from outside the branch. A representative with a sign-in sheet will be available and members will be allowed to enter the branch upon their name being called. For everyone’s safety, please follow the queuing instructions provided at each location.

  • At Rockville Metro Plaza and Pennsylvania Avenue, transactions will be performed by staff from behind the glass-enclosed teller-counter only.

  • At Silver Spring, members can make an appointment with the on-location NIHFCU representative to secure a specific time slot if necessary

NIHFCU ATMs and Video Tellers

  • NIHFCU ATMs will remain available during their normal operating hours

  • The Live Video Teller option at select NIHFCU ATMs will be available from 8am-4pm (M-F) and 8am-2pm (Saturday)

What else are we doing

  • Regular sanitizing of all branch surfaces, as well as our ATMs located in and in close proximity to our branch locations

  • Branch staff wearing protective gloves when handling cash and/or applying sanitizer after each member transaction

  • Making additional sanitizing material available at our locations for those who desire additional precautions

  • Ongoing testing of all critical systems to ensure full remote functionality in case of any imposed partial or full quarantine

 

Please continue to check back for additional updates and information.

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General Consumer Information

>>> If you have an NIHFCU loan and your income has been impacted by COVID19, please contact us to discuss financial assistance options. 301-348-2073 or email us here 

CDC: What You Need to Know

NIH: Important Information Regarding COVID-19

FTC: Avoid Coronavirus Scams

FTC: Coronavirus Scams, Part 2

FTC: Coronavirus Scams, Part 3

FTC: Coronavirus Scams, Part 4

Maryland Depoartment of Health

Montgomery County: State, Local and Business Updates on COVID-19

Greenpath Financial Wellness and Counseling

NIHFCU contact numbers

email us here 

At the NIHFCU, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Click here for more information

1 A 90-day deferral of the first payment is an option available on all vehicle loans. Deferring a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the deferred payments. The 90-day deferral program is subject to change at any time; restrictions apply.