The nation's largest credit union serving the biomedical industry.
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Premium Share (Savings) Account
NIH Federal Credit Union has regular and premium shares (savings) accounts which provide you complete safety and unlimited access to your funds. Open a Premium Share Account and earn a higher rate of return for balances of $5,000 or more. Compared to similar accounts at most other area institutions, this account (at the $5,000 minimum) is likely to earn up to 8 times more than you’ll find elsewhere.

Premium Share (Savings) Account Benefits:
  • Open with an initial $5 minimum deposit for this account; a Regular Share (Savings) is still needed.
  • Premium Share (Savings) Account is a dividend-earning account, with a higher rate of return.
  • It can establish and maintain your NIHFCU membership.
  • Must be at least 18 years old to open an individual checking account. If you’re under 18 years old, a parent or guardian must be a joint owner on the account.
  • There is no monthly fee with a share account.
  • See Rates

Additional Free Features to help you keep in touch with your money
Mobile Access Stay in touch with your money from anywhere in the world, anytime using any of our latest technologies.
Online Services
  • Online Banking: Check balances, transfer funds, pay bills online, get balance alerts and more in real time, anytime.
  • Check View: View digital copies of cleared checks online.
  • e-Statements: Get your monthly statement delivered electronically.
  • FinanceWorks: Your personal money management assistant.
24/365 Support Real answers from real people – all day, everyday by calling us toll-free at 800.877.6440.
Access 24 Automated round-the-clock phone access to your accounts by calling 800.900.0644.
Coast-To-Coast Locations More than 4,000+ shared branches nationwide - it's like having an NIHFCU branch everywhere you go - with no service charges. 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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NIHFCU accounts are 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.