Welcome to the NIH Federal Credit Union
Discover Banking with Heart.
What Can We Help You With Today?
All the Elements of the Perfect Credit Card
It’s back! Get 0% APR for 15 mos. on purchases and balance transfers! (Then a variable APR between 11.49% and 16.49% depending on creditworthiness.)
Is it time to drive down your auto loan rate?
Refinance and reduce your rate up to 2%! Through 9/2026, refinance a qualified auto loan from another lender, and we may be able to lower your rate up to 2%!
Today’s Featured Rates
Introducing CompleteCare Checking!
Packed with awesome perks, it’s designed to help you Protect, Save, Enrich, and Relax, and could even replace services you may be paying a lot more for elsewhere.
Home Equity Loans for all Your Seasonal Needs!
New HVAC? Windows? Siding? Now’s the time to plan your summer to-do list. Enjoy a fixed rate and term with a predictable monthly payment for life of your loan.
Focused on Your Financial Wellness
Insights and resources to help you make informed financial decisions.
Financial Coaching and Counseling
Free individualized and confidential counseling, financial webinars, and no-obligation advice from NIHFCU to help you make informed decisions.
Fraud & Security Hub
Knowledge is a key to ID theft prevention. Our Fraud & Security Hub can help you stay informed, reduce your chances of falling victim, and remain vigilant.
Hearts & Smarts Blog
Timely and short-read articles throughout our site with content, tips, and ideas on managing your money and improving your financial health.
We Think You Will Like Us!
NIHFCU members are too busy to waste time and too smart to waste money. We’re ready to help you achieve your goals with simplicity and confidence. Just ask these happy members!
Discover Banking With Heart
We’re here to get you started. Apply online, visit a branch, or give us a call!