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Is a VitaLoan right for me?

Rates as Low as 3.49% APR
Amounts Up to $7,000
No Payments for 90 Days

VitaLoans were created for healthcare workers like you. Designed to assist in short-term situations, these low-interest loans can help with unplanned expenses, or cover costs that are unique to healthcare professionals. A VitaLoan could be right for you, if: 

  • You need some short-term cash at a low rate

  • You need help with some unplanned expenses

  • You need help covering work-related charges

  • You need some cash and could use 90-days before your payments start

If you think a VitaLoan is right for you, get started now by completing our online application.

Contact us Today
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Need help now? These CARES Act Programs Provide Financial Support

Payment relief and financial assistance are just a few of the emergency assistance programs available to the general public.

Federal Student Loan Relief – CARES Act
The CARES Act has some major short-term implications for federal student loan borrowers like pausing federal student loan payments and interest through September 2020. Learn more


Home Loan Payment Assistance – CARES Act
The CARES Act requires lenders to offer borrowers up to 180 days’ forbearance, with the option for borrowers to request an additional 180 days’ forbearance or to stop the forbearance at any time. Learn more


Medical Bill Payment Assistance – CARES Act
Medicaid and the Children’s Health Insurance Program (CHIP) provides help with paying medical costs for children of families who cannot afford health insurance or cannot obtain it through their employer. Learn more


Prescription Drug Cost Payment Assistance – CARES Act
Local health centers provide direct assistance to people in distress or with limited access to health care with assistance and referrals to other local organizations that may be able to help. Find a local health center.


Also, if you successfully apply for Medicare, there are many pharmaceutical assistance programs that might be able to help with RX payments. Learn more

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Refinancing debt can help you lower monthly payments and save money.

Most healthcare workers pay far more interest each month than they need to. Now you can maximize your monthly budget by limiting unnecessary interest payments. At the NIH Federal Credit Union, refinancing and consolidating your existing debt with an eye for saving you money, is what we do. Here are just a few of our money saving refinance programs.

Credit cards: Responsible for more hidden monthly interest than any other form of debt, if you carry monthly balances on your cards chances are we can save you money.

Mortgages: even a small drop in your mortgage rate can result in significant monthly savings. If you need extra money in your monthly budget this is a great place to look.

Auto loans: With low rates and no payments for 90*** day, our vehicle loans are extremely competitive.

If you currently have any of this debt and haven’t looked at refinancing within the last few years, there might be money hiding in your monthly payments.

Contact us Today
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Economic Relief Programs Designed for healthcare workers

From grant programs, student loan forgiveness to free credit counseling, these programs are specifically designed to assist healthcare professionals like you.

Public Service Student Loan Forgiveness
If you are a healthcare worker with federal student loan debt and work for a non-profit organization, such as a hospital, clinic, government agency, or school, you may be eligible for some form of student loan forgiveness. Learn more


Nurse Corps Student Loan Repayment Program
Many nurses are eligible to get up to 85 percent of their loans repaid through this program operated by the U.S. Health Resources and Services Administration (HRSA). Learn more


Janet L. Hoffman Student Loan Assistance Repayment Program
Healthcare workers who work for Maryland state or local government, or nonprofit organizations that serve low income or underserved residents may be eligible. Learn more


Brave of Heart Fund
Designed to provide financial support in the form of charitable relief grants, this fund was created to support the families of healthcare workers who lose their lives to COVID-19. Learn more


Greenpath Financial Wellness 
With great budget and money management resources, including complimentary and certified financial counseling, Greenpath is now open to more than just NIHFCU members. Learn more


Public programs are great but they can only provide so much help. If you need a little more, don’t forget about NIHFCUs VitaLoan. When you’re ready, you can quickly apply online.
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Discounts exclusively for healthcare professionals

When things are tough, every little bit helps, that’s why we assembled a list of organizations that want to say thank you through their healthcare-specific discounts, designed for people like you. 

AAA is offering free Roadside assistance to medical personnel and first responders in most states. Learn more


AirBnB is offering free lodging for healthcare workers that allows them to care for patients and stay safely distanced from their families. Learn more 


Costco is offering priority access to its warehouses for healthcare workers and first responders. Learn more 


First Responders Program with special offerings. Learn more 


Marriott has committed to offering $10 million worth of hotel stays for healthcare professionals in Baltimore, MD and many other major cities. Learn more 


Discounts are a nice thank you, but they only go so far. If you need a little more, don’t forget NIHFCUs VitaLoan. When you’re ready, you can quickly apply online.

*VitaLoan information provided is not an offer of credit and is a reflection of typical loan products that may be available to healthcare workers in your area.  In order to qualify for a VitaLoan with NIHFCU, you must complete an application, submit to a credit check and receive an official offer of credit from the credit union. If approved for a VitaLoan, a 90-day deferral of your first payments is an option that is available. Please be aware that you will still need to make your deferred payments. Deferring payments will delay the payoff of your loan, and result in additional finance charges. The 90-day deferral program is subject to change at any time; restrictions apply. NIHFCU membership is not required to apply for a loan with the credit union.  However, if approved, NIHFCU membership must be established prior to funds being disbursed to you. Visit  for more information.

**Annual Percentage Rate (APR) depends on actual credit qualifications for individuals who complete an application for a VitaLoan and APR is subject to change without notice. The lowest APR shown is available to applicants who complete an application for a Vital and who have excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU TotalCare checking account. If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. Final rates and terms for approved applications depend on, credit and payment history, payment method, and other factors that may be lawfully considered. Restrictions may apply.

All public programs, emergency financial assistance, and discount programs included on this page are offered, administered, and controlled by third-party organizations and are not associated or endorsed by the NIH Federal Credit Union. Please be sure to always read the details of every program before participating and seek professional advice whenever possible.

***A 90-day deferral of the first payment is an option available on all vehicle loans. 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. The 90-day deferral program is subject to change at any time; restrictions apply.