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Helping Fellows Get the Credit They Deserve

 

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Fellows Advantage Program3

At the NIHFCU, we know it’s often difficult for international fellows to access financial services while in the U.S. Our popular Fellows Advantage Program addresses this need with benefits typically un-available elsewhere, including:

  • Excellent borrowing opportunities – even for those without established credit

  • Savings and Checking options

  • Tools and resources to help build a positive credit profile and reach your financial goals

  • Complimentary financial counseling available by phone in a variety of languages

Established credit is not required to apply for a loan through the Fellows Advantage Program1. Fellows only need a U.S. social security number to get started. Need advice? Schedule a complimentary, no obligation fellow’s consultation, stop by any branch or call.

Call us today
1-800-877-6440
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Perfect for visitors

As a foreign scientist arriving at NIH, I find it very convenient to have a financial institution right on campus that is tailored to the needs of the people working here!

 

The Fellows Advantage Program offers a variety of lending options

Visa Platinum Credit Cards

The NIHFCU Fellows Advantage Visa Platinum Cards have no annual fee and include limits up to $2500 for applicants without a credit score. Plus, a Fellows Advantage Visa Platinum Card also offers:

  • No required security deposit

  • Variable rates currently 18.00% APR2

  • The same rate for cash advances and purchases

  • A low 1% foreign transaction fee

Established credit is not required to apply for Fellows Advantage credit card1. Fellows only need a U.S. social security number to get started. Have questions, need advice? Email, call, or stop by any branch today.

Call us today

1-800-877-6440

Mortgages

The NIHFCU Fellows Advantage mortgage offers financing options with as low as 20% down for those without a credit score and, as low as 5% with a qualifying credit score. Plus, Fellows Advantage mortgages also:

  • Treat the fellow’s income similar to that of a salaried/W2 income.

  • Adjustable Rate options available for those with no credit

  • Fixed options available for those with qualifying credit

  • Offer cash rebates when you use a HomeAdvantage agent

Established credit is not required to apply for a mortgage through the Fellows Advantage program1. Fellows only need a U.S. social security number to get started. To apply, speak to a mortgage expert today, 855-203-4747. Have questions, need advice? Email or stop by any branch today.

Call us today

1-855-203-4747

Personal (Signature) Loans

The NIHFCU Fellows Advantage Personal Loan lets you borrow with no credit score for almost any purpose. Plus, Fellows Advantage personal loans also offer:

  • Amounts up to $5,000

  • Fixed rates currently 11.74%-14.24% APR2

  • No collateral requirements

Established credit is not required to apply for Fellows Advantage Personal Loan1. Fellows only need a U.S. social security number to get started. Have questions, need advice? Email, call, or stop by any branch today.

Call us today

1-800-877-6440

Auto Loans

An NIHFCU Fellows Advantage Auto Loan allows fellows with no established credit to finance a car with only a 10% down payment. Plus, Fellows Advantage auto loans also offer:

  • Fixed rates currently 7.24%-8.49 APR2

  • No payment due for 90 days

  • Special pricing on new and used vehicles through NIHFCUs Car buying service

  • Exclusive member rates on a variety of protection programs

Established credit is not required to apply for Fellows Advantage Auto Loan1. Fellows only need a U.S. social security number to get started. Have questions, need advice? Email, call, or stop by any branch today.

Call us today

1-800-877-6440

Share Secured Loans

The Fellows Advantage Share Secured loans allows you to use a portion of your NIHFCU savings (or certificate) as collateral for the loan you need. Plus, Fellows Advantage Share Secured Loans also offer

  • Low variable rates3: (prevailing share or certificate rate + 3.00%2

  • Payback terms up to 12 years

  • No fees or prepayment penalties

Established credit is not required to apply for Fellows Advantage Share Secured Loan1. Fellows only need a U.S. social security number to get started. Have questions, need advice? Email, call, or stop by any branch today.

Call us today

1-800-877-6440
All information as of September 20, 2018 and subject to change without notice. Certain restrictions may apply.

1 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.

2 APR = annual percentage rate as of September 20, 2018. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. All loan rates and terms subject to change without notice. Restrictions may apply.

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.