National Institutes of Health

PO Box 6475, Rockville, MD 20849

NCUA Insured4.8 (514 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1940

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Rockville, MD may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1940

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 6475

Rockville, MD 20849

Google Maps 🗺Waze

(301) 718-0208

Service Area

This credit union is located in Rockville and serves members in the MD area. Currently serving 41,414 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.24%

Used Auto Loan

4.24%

Personal Loan

18.00%

Credit Card APR

13.24%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MD

Lowest rates currently reported by credit unions in MD (NCUA Q4 2025).

Signal Financial— New Auto Loan

Kensington, MD

1.74%

Signal Financial— Used Auto Loan

Kensington, MD

2.24%

Capital Area Taiwanese— Personal Loan

Rockville, MD

6.00%

Municipal Empl.Credit Union of Balt— Credit Card APR

Baltimore, MD

1.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.8

514 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Melaine Wong

4 months ago

Kevin, Krista, Morgan and Beatrice did a wonderful job. Krista, Morgan and Beatrice, especially Beatrice went beyond to help me find out why it took so long for my debt card limited to get increase. Beatrice when an extra step and found out the issue and resolved ASAP. All of them were excellent and very helpful and took their time, patients to help me. I am truly appreciative for all their hard work, especially Beatrice. She was my hero. Customer Service was excellent and I rate 100%.

Gwen Platt

4 months ago

I have been a very satisfied member of the NIHFCU for 25 years. The staff are professional, polite and friendly. My experiences with checking and saving accounts, as well as applying for a loan, has been clear and prompt service. I have found no banking/financial organization that gives me more confidence in managing my finances than the NIHFCU.

Robel Ageabo

6 months ago

NIH Federal Credit Union gave me excellent service. They helped me quickly, spoke to me in a professional and respectful way, and explained everything clearly. Their approach was friendly and supportive, and I really appreciate how fast they handled my requests. Highly recommended.

alphonso bell

5 months ago

I am so many four years old. This is the best experience I have ever had applying for a loan. The process was seamless, informative, timely. NIHFCU met and exceeded all of my customer service expectations.I felt that they gave me the best deal that I could get.

Kristina Lindo

5 months ago

Today I came it to NIH and was helped by Waqar Rizvi. He was very helpful and efficient. He was able to meet my request and give him a recommendations as well as save me on a few charges. Thank you so much for your help and I will seek this branch more often