Join NIHFCU!
And Discover Better Banking
Discover Banking with Heart
Whether you work within or outside healthcare and biomedicine, we’re ready to help you achieve your financial goals with affordable loans, banking solutions, and advice that save time and money. We call it Banking With Heart and look forward to putting it to work for you.
NIHFCU – a Newsweek Best Credit Union in the USA for 2026
We Think You’ll Like “Credit-Unioning” Better than Banking
Our commitment to personal service and our banking solutions are designed to meet your every need at every stage of life. Here’s just a sample of some.
Great Rates & Lower Fees
Enjoy lower loan rates, great savings yields, and fewer fees—because NIHFCU is focused on YOU, not profits.
Nationwide Locations & Fee-free ATMs
Access nearly 30,000 fee-free ATM’s and over 5,000 shared branch locations nationwide. That more than most banks can offer.
Advanced Digital Tools
State-of-the art online and mobile banking tools for easy account access, anywhere you have connectivity!
“Do it All” checking
Loaded with incredible benefits and perks, CompleteCare checking designed to help Protect | Save | Enrich | Relax
Affordable and Straightforward Loans
Whether you need a low rate credit card, mortgage, vehicle, or other consumer or business loan, we have what you need.
Financial Wellness & Counseling
Experience friendly, one-on-one support from a team that’s dedicated to your financial success—with access to certified financial counselors.
Valued and Understood
My personal experience has been nothing short of exceptional. From the moment I joined, their personalized service has made me feel valued and understood.
Taingay D. NIHFCU member since 2013
How is NIHFCU Different Than a Bank?
Check Your Membership Eligibility
Don’t let our name fool you! You don’t need to work at NIH or be a federal employee to bank with us. Here are four ways to join us!
You are an NIH1:
-
- Employee, or
- Contractor, or
- Fellow, or
- Volunteer, or
- Retiree/Pensioner
1proof of affiliation (work ID, pay stub, etc.) required
You have one of the following immediate family relationships with a current NIHFCU member:
- Child, or
- Sibling, or
- Parent, or
- Grandchild, or
- Grandparent, or
- Have shared household responsibility
You are part of one of our many NIHFCU@work partner organizations.1
- ABT Associates
- Adventist HealthCare – Fort Washington Medical Center
- Alteon
- American Association of Blood Banks
- American Kidney Fund
- Anne Arundel Medical Center/Healthcare Systems
- Astra Zeneca
- Bethesda-Chevy Chase Rescue Squad
- Bioqual
- Biomedical Research Institute
- Callahan & Associates
- CCI Health Services
- Community Reach of Montgomery County
- Direct Care Home Health Services
- DLH / Social & Scientific Systems
- Emmes Corporation
- Gene DX
- George Washington University – University faculty, staff, students and alumni
- George Washington University – Medical Center/Hospital Staff
- HCA Dominion Hospital
- Hospital for Sick Children, Washington, DC
- IQ Solutions
- Jewish Social Service Agency (JSSA)
- Kaiser Permanente of the Mid-Atlantic States
- Mansfield Kaseman Health Clinic
- Medical Society of the District of Columbia (employees & members)
- Montgomery County Medical Society (employees & members)
- Medstar Montgomery Medical Center – Olney, MD
- Montgomery Hospice
- National Children’s Center (including Value Village Stores) in DC and MD.
- National Institutes of Health employees, contractors, fellows, volunteers, pensioners
- Primary Care Coalition
- Potomac Home Health Care
- Proyecto Salud Clinic
- Seracare Life Sciences
- Sibley Hospital
- St. John Community Service
- Suburban Hospital
- Supernus Pharmaceutical Corp
- United Cerebral Palsy of Washington, DC and Northern Virginia
- United Medical Center.
- US Acute Care Solutions
- Virginia Hospital Center
- Washington Adventist University
- Westat
- Women in Bio (employees & members)
1proof of affiliation (work ID, pay stub, etc.) required
The American Consumer Council (ACC) is a non-profit organization dedicated to consumer advocacy, financial literacy, and corporate social responsibility, and provides member resources to help consumers make consumer product and financial decisions.
- NIHFCU will open your complimentary ACC membership. It requires no work on your part and qualifies you for NIHFCU membership.
Follow these easy steps to start your NIHFCU membership
Provide Documentation
Social Security Number, and a US government-issued ID for you and any joint applicants
Fund Your Account
We’ll make the required $1 deposit to open your membership. You can add to this initial deposit if you’d like.
Get Confirmation
We’ll reach out if more information is required or to confirm when your NHFCU membership is active.