The nation's largest credit union serving the biomedical industry.
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Traditional Certificate Accounts

For growing your money with a guaranteed fixed rate of return, a Certificate Account is hard to beat. Your NIH Federal Credit Union rate is locked in when it is opened – eliminating the volatility inherent in other investments.

Certificate Account Features

Certificate Account Details:
  • Savings option that typically earns the highest rate of return 
  • Open a certificate with as little as $500. Open with $10,000 or more for an even higher yield. 
  • Lock in a guaranteed rate of return for a variety of terms between 3 - 60 months. 
  • Most certificates are also available as Traditional or Roth IRAs. 
  • Increase your certificate rate by 0.25% with direct deposit or a monthly reoccurring payment of $1,000 or more to a qualified NIHFCU account.
  • See Rates

Additional Options

Add-on Certificate
Add funds to into your existing certificate, as often as you would like. Available for a term of 15 months. Requires a $500 opening deposit ($10,000+ earns a higher rate). Must be requested via a Certificate Request form.

Bump-Up Option
Increase your certificate rate if rates rise. This is available one time during the certificate term. Available on 15 month term (one [1] bump-up allowed) and on 30 month term (two [2] bump-ups allowed). Must be requested via a Bump-Up form; NIHFCU will not make automatic increases.

Express Funds Privilege

As an NIHFCU certificate holder, you can receive immediate check funds and avoid a check hold on checks with amounts equal to or less than half of your  current NIHFCU certificate balance.*  For example, if you have a $10,000 certificate.  Your Express Fund Privilege would allow you to avoid check holds on any check you deposit at NIHFCU up to $5,000.  

*  Maximum Express Funds Privilege is $50,000. Program subject to change without notice.  Other Restrictions apply.

Additional Free Features to help you keep in touch with your money
Mobile Access Stay in touch with your money from anywhere in the world, anytime using any of our latest technologies.
Online Services
  • Online Banking: Check balances, transfer funds, pay bills online, get balance alerts and more in real time, anytime.
  • Check View: View digital copies of cleared checks online.
  • e-Statements: Get your monthly statement delivered electronically.
  • FinanceWorks: Your personal money management assistant.
24/365 Support Real answers from real people – all day, everyday by calling us toll-free at 800.877.6440.
Access 24 Automated round-the-clock phone access to your accounts by calling 800.900.0644.
Coast-To-Coast Locations More than 4,000+ shared branches nationwide - it's like having an NIHFCU branch everywhere you go - with no service charges. Learn more.
Program subject to change without notice. Other restrictions apply.

Ready to Become a Member
NIH Federal Credit Union offers membership to those that are in the biomedical and healthcare industry. When you become a member of the NIHFCU, you are immediately eligible to enjoy financial opportunities and privileges that save both time and money. Membership is a benefit that you can share with your family by sponsoring them to have a membership with NIHFCU.


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NIHFCU accounts are federally insured up to at least $250,000 by the National Credit Union Administration, a United States government agency. IRAs are insured separately up to $250,000. For additional details, click here.