We're here for you!
If COVID19 has created financial hardship for you, we’re committed to helping 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 COVID, contact us to discuss assistance options at 301-348-2073 or email us here. An NIHFCU financial counselor will consult on your needs and discuss an appropriate payment relief solution for your situation.
Deposit and Saving Account Assistance
Early withdrawal fees on all NIHFCU certificates have been temporarily waived.
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
As of April 2, the NIHFCU is no longer accepting new applications for Paycheck Protection Program (PPP) loans. If you have questions concerning PPP forgiveness, please email us here.
For all other business loan inquiries, contact NIHFCU Business Loans at 301-296-2534 or email mbl@nihfcu.org
Auto Loan Refinancing
Refinancing an auto loan with us can save you hundreds or more plus get no payments due for 90 days.1 Our low rates can also yield lower monthly payments after the 90 day no-payment period.
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
Branch and ATM Access
Here is the latest, as of July 6, 2021.
NIHFCU branches currently OPEN are:
Rockville Metro Plaza: Mon-Thu 9am 4pm, Fri 9am to 6pm, Sat 9am to 1pm.
Silver Spring: Mon-Thu 9am 4pm, Fri 9am to 6pm, Sat 9am to 1pm
Sibley Hospital: Tue & Thu. 9am-4pm
NIH Clinical Center: Wed & Fri. 9am-4pm (Due to NIH restrictions, the Clinical Center Branch is presently only available to current NIH employees.)
While we are hopeful that the pandemic is nearing its end and we can soon resume normal branch operations, the NIHFCU is following the guidance provided by our county and city governments and still requires the use of masks when conducting business within our branches. We appreciate your continued cooperation. Please also note:
Access at any NIHFCU branch is restricted to no more than 2-4 people at a time. Family members (excluding infants) who are not transacting will be required to wait outside the branch.
Members can wait for service from outside the branch. A sign-in sheet will be available and members will be allowed to enter upon their name being called. For everyone’s safety, please follow the queuing instructions provided at each location.
At Rockville Metro Plaza , transactions will be performed from behind the glass-enclosed teller-counter only.
At Silver Spring and Sibley Hospital, members can make an appointment with the on-location NIHFCU representative to secure a specific time slot, if necessary.
>>> Click here to book an appointment with any branch or wealth advisor representative.
Branches temporarily CLOSED until further notice
NIH-Building 31 (as of 3/18/20). The exterior ATM, with the Live Video Teller option, remains available.
Fishers Lane (NIAID) (as of 3/23/20). The ATM, with the Live Video Teller option, remains available.
National Cancer Institute (as of 3/23/20). The ATM remains available.
Pennsylvania Avenue this branch (and ATM) are permanently closed as of 3/1/2021
NIHFCU ATMs and Live Video Tellers
All NIHFCU ATMs have now been treated with a new anti-microbial coating furthering our commitment to member safety. The coating makes it more difficult for germs to live on ATM surfaces, thus limiting the possibility of transmission through touch.
Look for the green and white sticker on our ATMs to know that we are doing all we can to ensure a safe banking experience.
NIHFCU ATMs remain available at their normal operating hours.
The Live Video Teller option at select ATMs is also available from 9am-4pm (M-Th), 9am-6pm (Fri) and 9am-1pm (Sat)
Shared Branch and Surcharge-Free Cash Dispenser locations
NIHFCU 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 locations. We recommend calling ahead to confirm hours and access.
The NIHFCU places highest priority on monitoring information from Centers for Disease Control in order to respond appropriately to this 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
Deposit Insurance
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.
Banking Alternatives
We recommend that all members use our complimentary digital banking services to support many, if not most, of your everyday transaction needs during this time.
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
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
Access 24 Telephone Banking
Check your balances, transfer funds and more by making selections on your phone’s key pad.
Mobile Payments
Pay at the register without swiping or inserting your NIHFCU credit or debit card
Visit an ATM/ITM Location
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.
Coronavirus Update [7/21/2020] – Current operating update
Here is the latest update from the NIHFCU on Branch and ATM accessibility as of July 6, 2021.
NIHFCU Branches currently OPEN are:
Rockville Metro Plaza: Mon-Thu 9am 4pm, Fri 9am to 6pm, Sat 9am to 1pm.
Silver Spring: Mon-Thu 9am 4pm, Fri 9am to 6pm, Sat 9am to 1pm
Sibley Hospital: Tue & Thu 9am-4pm
NIH Clinical Center: Wed & Fri. 9am-4pm (Due to NIH restrictions, the Clinical Center Branch is presently only available to current NIH employees.)
While we are hopeful that the pandemic is nearing its end and we can soon resume normal branch operations, the NIHFCU is following the guidance provided by our county and city governments and still requires the use of masks when conducting business within our branches. We appreciate your continued cooperation. Please also note:
Access at any NIHFCU branch is restricted to no more than 2-4 people at a time. Family members (excluding infants) who are not transacting will be required to wait outside the branch.
Members can wait for service from outside the branch. A sign-in sheet will be available and members will be allowed to enter upon their name being called. For everyone’s safety, please follow the queuing instructions provided at each location.
At Rockville Metro Plaza, transactions will be performed from behind the glass-enclosed teller-counter only.
At Silver Spring and Sibley Hospital, members can make an appointment with the on-location NIHFCU representative to secure a specific time slot, if necessary.
>>> Click here to book an appointment with a branch or wealth advisor representative.
Branches temporarily CLOSED until further notice.
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) – The ATM remains available.
Pennsylvania Avenue: This branch (and ATM) are permanently closed as of 3/1/2021
NIHFCU ATMs and Video Tellers
All NIHFCU ATMs have been treated with a new anti-microbial coating furthering our commitment to member safety. The coating makes it more difficult for germs to live on ATM surfaces, thus limiting the possibility of transmission through touch.
Look for the green and white sticker on our ATMs to know that we are doing all we can to ensure a safe banking experience.
NIHFCU ATMs will remain available during their normal operating hours
The Live Video Teller option at select NIHFCU ATMs will be available from 9am-4pm (M-Thurs.), 9am-6pm (Fri.) and 9am-1pm (Sat.)
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.
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
NIH: Important Information Regarding COVID-19
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
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.
