NIH Fellows Advantage Program
Helping NIH Fellows get the credit they deserve.
Banking Solutions for Visiting NIH trainees and Post-docs
It can be a challenge for visiting NIH fellows to access financial services while in the U.S. Our program can help them obtain/build credit while in the States.
Mortgages
Auto Loans
Personal Loans
Credit Cards
Share Secured Loans
Thanks for trusting me!
When I came to the U.S., no one gave me a credit card except NIHFCU. This helped me build my credit history in the U.S. Thanks for trusting me.
Maryam H.
Fellows Advantage Loan Program
What can we help you with today?
Tailored mortgage solutions that make homeownership achievable for NIH Fellows — those without a credit score, we make homeownership achievable.
- Low Down Payment Options Available: For NIH Fellows with and without a credit score.
- Flexible Income Treatment: Fellow’s income is treated like salaried/W2 income.
- Customizable Options: Adjustable-rate mortgages for fellows without a credit score. Fixed-rate mortgages for those with qualifying credit. Learn more.
- HomeAdvantage Cash Rebates: Receive rebates when using a HomeAdvantage agent to buy your home.
Request a Fellows Consultation
or call 1-855-203-4747
The NIH Fellows auto loan provides financing with low down payment options – even for those without established credit. Plus:
- Affordable Loan Rates: Fixed-rate loans with competitive terms. See rates.
- Defer First Payment: Enjoy up to 90 days before your first payment is due.1
- Shop Online: Access exclusive car pricing through our Car Buying Service.
- Other Member Benefits: Including member rates on various protection and insurance programs.
Request a Fellows Consultation
or call 1-855-852-4748
An easy way for NIH Fellows to borrow – even without a credit score – for almost any purpose. Plus:
- Flexible Loan Amounts: Borrow up to $5,000.
- Fixed Rates: Predictable payments with competitive rates.
- No Collateral Needed: Get the cash you need fast.
Request a Fellows Consultation
or call 1-855-852-4748
We tailored our no-annual-fee Visa Platinum Card for NIH Fellows with no credit score:
- Generous Credit Limits: Credit lines up to $2,500 for those without a U.S. credit history.
- No Security Deposit: Enjoy your credit line without providing collateral.
- Competitive Rates: Variable APR2 of 16.99% for both purchases and cash advances.
- Low Foreign Transaction Fee: Only 1% on international transactions outside of the U.S.
Request a Fellows Consultation
or call 1-855-852-4748
This loan allows you to pledge a portion of your NIHFCU savings as loan collateral, giving you access to funds you need while keeping your savings intact and helping you build a positive U.S. credit history.
- Low Variable Rates:3 Starting at the prevailing pledged share rate + 3.00% APR2.
- Generous Payback Term Options: To help manage your monthly budget.
- No Hidden Fees: Enjoy no fees or prepayment penalties.
Request a Fellows Consultation
or call 1-855-852-4748
Established credit is not required to apply for a loan through the NIH Fellows Advantage Program4.
NIH Fellows only need a U.S. Social Security number to get started.
I could not be more grateful!
I could not be more grateful for such excellent guidance and warm treatment, especially when it is your first time dealing with the US financial system.
Alberto L.
Need Advice? Schedule a complimentary consultation!
Other Banking Solutions for NIH Fellows
We recommend these other programs to further support your financial success while training in the U.S.
Mobile Banking
24/7 account access on your laptop, tablet, or mobile device.
Financial Counseling
Free, confidential, and certified counseling to support your personal financial concerns.
Checking Accounts
Two great options, including CompleteCare, with an incredible range of perks and value.
Financial Education
Attend free webinars to enhance your money management knowledge and skills.
Insurance Programs
Auto, Home, & Life insurance programs designed for credit union members.
Credit Score & Monitoring
Keep on top of your credit score and use other tools to support credit management
Let’s Get Started
Disclosures
Rates, fees and terms as of 01/20/2026 and subject to change without notice.
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1)
A deferral of up to 90 days for your first payment may be available on certain vehicle loans, as determined by the credit union. 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. If the credit union agrees to a deferral, additional restrictions may apply.
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2)
APR = Annual Percentage Rate. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. Restrictions may apply.
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3)
The rate on this loan is variable, based on the dividend rate NIHFCU pays on the account pledged as security for the loan. Certificate-secured loan payoff must not exceed the maturity date of the pledged certificate.
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4)
NIH Fellows with a qualifying credit score can apply and may qualify for loans of larger amounts, other rates, and additional features based on standard guidelines and creditworthiness.