Healthcare Benefits Suite

Rates, fees and terms as of May 21, 2025 and subject to change without notice

¹ This offer is only available to current members in good standing of the NIH Federal Credit Union. Each qualifying member is eligible for a total reimbursement request of up to $100.00 during a given 12 month cycle. Unused reimbursement amounts will not carry over to subsequent 12 month cycles. In order to submit and receive a healthcare expense reimbursement, you must: 1) Be a current NIHFCU member of at least 3 months and be an NIHFCU member in good standing at the time your approved reimbursement request is disbursed, and 2) have one or more current NIHFCU loans or lines in good standing originated and booked within the 12 months preceding the reimbursement request.  Authorized reimbursements include professional certifications, memberships to professional or trade organizations, subscriptions to trade journals or publications, and professional liability insurance coverage. For full program details and specific reimbursement procedures, please visit our member reimbursement request page.

² All loans are subject to credit approval. Final rates and terms for approved applications depend on credit worthiness, payment history, and other factors that may be lawfully considered. Restrictions may apply. NIHFCU membership required. See nihfcu.org for full details.

³ Subject to credit qualification and additional criteria, including graduating from an approved school.

⁴ Rates vary by card and depend on creditworthiness. See Pricing and Terms for complete credit card disclosures. 

⁵ IDProtect service is a personal identity theft protection service available to personal checking ac-count owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.  See our TotalCare Checking Protection page for full program details.

⁶ Credit file monitoring may take several days to begin following activation. See our TotalCare Checking Protection page for full program details.

⁷ Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Cellular telephone bill must be paid through your TotalCare Checking account. See our TotalCare Checking Protection page for full program details. 

⁸ Members save an average of $2,400.  Example: Home sale price $500,000 with an agent commission of 3% and 20% reward. Your home price or agent’s commission rate may vary. See our Mortgage page for full program details.