The nation's largest credit union serving the biomedical industry.
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Savings & Certificates
We all want financial peace of mind for ourselves and families. NIH Federal Credit Union offers savings (share), certificates, and IRA accounts that will earn you solid dividends. While you may have assets in stocks and mutual funds, keeping a portion of your money in insured accounts is a wise addition to any well-rounded financial plan.

  Regular Share Premium Share  Money Market
Account
Description
Basic savings (share)
account.
Savings account (share)
with higher dividends.
The more you save, the more you earn.
Minimum Opening Deposit $25 $5 $100
Rates See Rates See Rates See Rates
Other Benefits A dividend-earning account.

Open and maintain account for membership.
Earn a higher rate of return for balances of $5,000 or more. Earn NIHFCU’s highest dividend with a $25,000 deposit
Up to 6 penalty-free check withdrawals per month.
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  Traditional Certificates IRA Certificates IRA Savings
Account
Description
Growing your money with a guaranteed fixed rate of return. A smart wealth-building opportunity. Great option to round out your retirement savings plan.
Minimum Opening Deposit $500  $500 $25
Rates See Rates See Rates See Rates
Other Benefits Increase your rate by 0.25% with direct deposit or monthly reoccurring payment of $1,000 to a qualified NIHFCU account. Lock in a great rate and be guaranteed a great return.
One penalty-free withdrawal.
Account Details Learn more Learn more Learn more

  Holiday Club You Name It Kids Share
Account
Description
Save money for the holidays. Save for a vacation, gift, or "You Name It". A great way to teach your kids about smart money management.
Minimum Opening Deposit $5  $5 $100
Rates See Rates See Rates
Other Benefits Make deposits when you want. Withdraw funds when you need. As a say thank you for opening a Kids Account, we’ll send you a $10 gift card to Toys-R-Us, Barnes & Noble, or a similar retailer at the discretion of NIHFCU. (Offer subject to change without notice)
Account Details Learn more Learn more Learn more

Ready to Become a Member
NIH Federal Credit Union offers membership to those that are in the biomedical and healthcare industry. When you become a member of the NIHFCU, you are immediately eligible to enjoy financial opportunities and privileges that save both time and money. Membership is a benefit that you can share with your family by sponsoring them to have a membership with NIHFCU.

 

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*Rates are subject to change without notice.  Early withdrawal penalties apply for certificate accounts.

Federally insured up to at least $250,000 by the National Credit Union Administration, a United States government agency. IRAs are insured separately up to $250,000. For additional details, click here.