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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 unavailable 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.

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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

Have questions, need advice? Email, call, or stop by any branch today.

Call us today

1-800-877-6440
Apply Now

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

To apply, speak to a mortgage specialist today, 855-203-4747. Have questions, need advice? Email or stop by any branch today.

Call us today

1-855-203-4747
Apply Now

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

Have questions, need advice? Email, call, or stop by any branch today.

Call us today

1-800-877-6440
Apply Now

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

Have questions, need advice? Email, call, or stop by any branch today.

Call us today

1-800-877-6440
Apply Now

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

Have questions, need advice? Email, call, or stop by any branch today.

Call us today

1-800-877-6440
Apply Now
Financial wellness begins and ends with the facts. Here's what you need to know!

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.