What are the current interest rates at NATIONAL INSTITUTES OF HEALTH?

Current rates for NATIONAL INSTITUTES OF HEALTH include: 12-Month CD: 4.25%, 18-Month CD: 3.75%, 24-Month CD: 3.75%, 60-Month CD: 3.50%, MMA: 0.20%

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NATIONAL INSTITUTES OF HEALTH

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NATIONAL INSTITUTES OF HEALTH Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, NATIONAL INSTITUTES OF HEALTH provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

NATIONAL INSTITUTES OF HEALTH's top rates as of October 10, 2026 are 5.00% APY on its 12 Month Jumbo CD, 0.20% APY on money market accounts, 5.74% on its Fornew mortgages or refinancing, personal loans from 14.74% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other NATIONAL INSTITUTES OF HEALTH CD rates include 6 Month Youth Saver CD at 5.00%, 12 Month Jumbo CD at 4.75%, and 12 Month CD at 4.50%. Other NATIONAL INSTITUTES OF HEALTH mortgage rates include Fornew mortgages or refinancing at 6.87%, Fornew mortgages or refinancing at 7.24%, and Fornew mortgages or refinancing at 8.24%. MonitorBankRates evaluates the financial stability of NATIONAL INSTITUTES OF HEALTH with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.98%. Rates last updated and verified on 10/10/2026.

NATIONAL INSTITUTES OF HEALTH money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at NATIONAL INSTITUTES OF HEALTH? Share your experience about NATIONAL INSTITUTES OF HEALTH by leaving a review below, or read customer reviews before you decide to use NATIONAL INSTITUTES OF HEALTH.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.98%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

NATIONAL INSTITUTES OF HEALTH
Corporate Office

111 Rockville Pike Ste 500
Rockville, MD 20850

http://www.nihfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

NATIONAL INSTITUTES OF HEALTH CD Rates

Product	Rate	APY	Term
12 Month Jumbo Certificate	4.879%	5.00%	12 Month
Min Deposit $100,000 Details 12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
6 Month Youth Saver Certificate	4.88%	5.00%	6 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
12 Month Jumbo Certificate	4.641%	4.75%	12 Month
Min Deposit $100,000 Details 12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 5.00% → 4.75% ▼ 0.25 pts · high 5.00% / low 4.75% Oct 10, 20264.75%▼ from 5.00% Oct 6, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
12 Month Certificate	4.402%	4.50%	12 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00% Oct 6, 20264.50%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
12 Month Certificate	4.402%	4.50%	12 Month
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00% Oct 6, 20264.50%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
15 Month Bump-Up Certificate	4.402%	4.50%	15 Month
Min Deposit $500 Details Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
15 Month Bump-Up Certificate	4.402%	4.50%	15 Month
Min Deposit $10,000 Details Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
12 Month Certificate	4.162%	4.25%	12 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00% Oct 6, 20264.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
12 Month Certificate	4.162%	4.25%	12 Month
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00% Oct 6, 20264.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
15 Month Bump-Up Certificate	4.162%	4.25%	15 Month
Min Deposit $500 Details Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Oct 10, 20264.25%▼ from 4.50% Oct 6, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
15 Month Bump-Up Certificate	4.162%	4.25%	15 Month
Min Deposit $10,000 Details Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Oct 10, 20264.25%▼ from 4.50% Oct 6, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
36 Month Certificate	4.162%	4.25%	36 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00% Oct 6, 20264.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
9 Month Certificate	4.163%	4.25%	9 Month
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65% Oct 6, 20264.25%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
18 Month Certificate	3.922%	4.00%	18 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 4.00% ▲ 1.75 pts · high 4.00% / low 2.25% Oct 6, 20264.00%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
24 Month Certificate	3.922%	4.00%	24 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 4.00% ▲ 1.75 pts · high 4.00% / low 2.25% Oct 6, 20264.00%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
24 Month Certificate	3.922%	4.00%	24 Month
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 4.00% ▲ 1.75 pts · high 4.00% / low 2.25% Oct 6, 20264.00%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
36 Month Certificate	3.922%	4.00%	36 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00% Oct 6, 20264.00%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
9 Month Certificate	3.922%	4.00%	9 Month
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 6, 20264.00%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
3 Month Certificate	3.803%	3.875%	3 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.88% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
18 Month Certificate	3.682%	3.75%	18 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 3.75% ▲ 1.50 pts · high 3.75% / low 2.25% Oct 6, 20263.75%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
24 Month Certificate	3.682%	3.75%	24 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.75% ▲ 1.50 pts · high 3.75% / low 2.25% Oct 6, 20263.75%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
24 Month Certificate	3.682%	3.75%	24 Month
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.75% ▲ 1.50 pts · high 3.75% / low 2.25% Oct 6, 20263.75%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
30 Month Bump-Up Certificate	3.682%	3.75%	30 Month
Min Deposit $500 Details Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
30 Month Bump-Up Certificate	3.682%	3.75%	30 Month
Min Deposit $10,000 Details Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
60 Month Certificate	3.681%	3.75%	60 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00% Oct 6, 20263.75%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
3 Month Certificate	3.562%	3.625%	3 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.63% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
6 Month Certificate	3.561%	3.625%	6 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.63% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
6 Month Certificate	3.561%	3.625%	6 Month
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.63% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
30 Month Bump-Up Certificate	3.44%	3.50%	30 Month
Min Deposit $500 Details Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50% Oct 10, 20263.50%▼ from 3.75% Oct 6, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
30 Month Bump-Up Certificate	3.44%	3.50%	30 Month
Min Deposit $10,000 Details Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50% Oct 10, 20263.50%▼ from 3.75% Oct 6, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
60 Month Certificate	3.44%	3.50%	60 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 6, 20263.50%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
6 Month Certificate	3.32%	3.375%	6 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.38% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
6 Month Certificate	3.32%	3.375%	6 Month
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.38% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH Savings Rates

Product	Rate	APY
Holiday Club	0.01%	0.01%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Regular Share Account	0.01%	0.01%
Min Balance $1 Details APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH Money Market Rates

Product	Rate	APY
Premier Advantage Money Market	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Premier Advantage Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Premier Advantage Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH Mortgage Rates

Product	Rate	Points	APR	Term
Fornew mortgages or refinancing	5.74%	-	7.193%	5 Year
Details As low as; Adequate homeowner's insurance is required for all real estate-secured loans. Closing costs may range from $450 to $4,500 depending on property location and loan amount. Ask about how NIHFCU can pay most or all of your closing costs. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Fornew mortgages or refinancing	6.87%	-	7.658%	10 Year
Details As low as; Adequate homeowner's insurance is required for all real estate-secured loans. Closing costs may range from $450 to $4,500 depending on property location and loan amount. Ask about how NIHFCU can pay most or all of your closing costs. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.66% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Fornew mortgages or refinancing	7.24%	-	7.808%	15 Year
Details As low as; Adequate homeowner's insurance is required for all real estate-secured loans. Closing costs may range from $450 to $4,500 depending on property location and loan amount. Ask about how NIHFCU can pay most or all of your closing costs. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.81% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Fornew mortgages or refinancing	8.24%	-	8.716%	20 Year
Details As low as; Adequate homeowner's insurance is required for all real estate-secured loans. Closing costs may range from $450 to $4,500 depending on property location and loan amount. Ask about how NIHFCU can pay most or all of your closing costs. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.72% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	6.00%
Details Variable APR ; The actual rate will depend on the borrower's credit score, LTV ratio, property type, automatic payment, and other factors we may lawfully consider. The maximum LTV for condominiums is 60%. Adequate homeowner's insurance is required for all real estate-secured loans. MINIMUM LINE OF CREDIT: The minimum Line of Credit is $50,000. MAXIMUM LINE OF CREDIT: The maximum Line of Credit is $250,000. MINIMUM AVERAGE MONTHLY BALANCE REQUIREMENT: Borrower must maintain an average monthly balance on the line of credit of not less than $40,000 for the first 3 years following closing. FEES AND CHARGES: Closing costs may range from $500 to $2,700 depending on property location and loan amount. Ask about how NIHFCU can help to pay most or all of your closing costs. Prime-1% Home Equity Lines of Credit with a credit limit of less than $50,000 or with a credit limit above $250,000 will have higher APRs and other terms different from those disclosed. Get a customized rate quote, or call us at 855.203.4747; All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%. The variable rate will adjust to the greater of the WSJ Prime Index plus margin, if any, minus 1.00%, or 4.00% minimum interest rate/floor. The lifetime maximum variable APR is 18%. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 7.00% / low 5.75% Oct 2, 20266.00%▼ from 7.00%* Sep 18, 20267.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Home Equity Line of Credit	-	-	7.00%
Details Loan-to-Value: Up to 80% LTV; All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 7.00% ▲ 1.25 pts · high 7.00% / low 5.75% Sep 18, 20267.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Home Equity Line of Credit	-	-	7.75%
Details Loan-to-Value: 80.01% - 90.00% LTV; All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 7.75% ▲ 2.00 pts · high 7.75% / low 5.75% Sep 18, 20267.75%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Home Equity Line of Credit	-	-	8.00%
Details Loan-to-Value: 90.01% - 95.00% LTV; All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 8.00% ▲ 2.25 pts · high 8.00% / low 5.75% Sep 18, 20268.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Home Equity Line of Credit	-	-	8.50%
Details Loan-to-Value: 95.01% - 100.00% LTV; All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 8.50% ▲ 2.75 pts · high 8.50% / low 5.75% Sep 18, 20268.50%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.24%
Details As low as Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Oct 6, 20264.24%▲ from 3.99% Sep 27, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	7.74%	36 months
Details As low as; APR= Annual Percentage Rate, subject to change without notice. The lowest APR shown is available to loan applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. New Motorcycle is classified as the Title has not been recorded and 2,000 or less miles. Used loans available for motorcycles up to 8 years old. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
New Motorcycle Loan	-	7.74%	48 months
Details As low as; APR= Annual Percentage Rate, subject to change without notice. The lowest APR shown is available to loan applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. New Motorcycle is classified as the Title has not been recorded and 2,000 or less miles. Used loans available for motorcycles up to 8 years old. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
New Motorcycle Loan	-	8.24%	60 months
Details As low as; APR= Annual Percentage Rate, subject to change without notice. The lowest APR shown is available to loan applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. New Motorcycle is classified as the Title has not been recorded and 2,000 or less miles. Used loans available for motorcycles up to 8 years old. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99% Oct 6, 20268.24%▲ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Used Motorcycle Loan	-	8.24%	36 months
Details As low as; APR= Annual Percentage Rate, subject to change without notice. The lowest APR shown is available to loan applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. New Motorcycle is classified as the Title has not been recorded and 2,000 or less miles. Used loans available for motorcycles up to 8 years old. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99% Oct 6, 20268.24%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Used Motorcycle Loan	-	8.24%	48 months
Details As low as; APR= Annual Percentage Rate, subject to change without notice. The lowest APR shown is available to loan applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. New Motorcycle is classified as the Title has not been recorded and 2,000 or less miles. Used loans available for motorcycles up to 8 years old. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99% Oct 6, 20268.24%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Used Motorcycle Loan	-	8.74%	60 months
Details As low as; APR= Annual Percentage Rate, subject to change without notice. The lowest APR shown is available to loan applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. New Motorcycle is classified as the Title has not been recorded and 2,000 or less miles. Used loans available for motorcycles up to 8 years old. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49% Oct 6, 20268.74%▲ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH Credit Card Rates

Product	Rate	APR
Visa Platinum Card	-	11.74%
Details Published APR range: 11.74% - 16.74%. Intro rate expires: 15 months; Regular APR: 11.74% - 16.74% Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 16.99% / low 11.49% Oct 6, 202611.74%▼ from 16.99% Sep 27, 202616.99%▲ from 11.49% Sep 18, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Visa Platinum Secured	-	12.74%
Details Regular APR: 12.74% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49% Oct 6, 202612.74%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Visa Signature Cash Rewards	-	14.74%
Details Published APR range: 14.74% - 16.74%. Intro rate expires: 15 months; Regular APR: 14.74% - 16.74% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 14.49% → 14.74% ▲ 0.25 pts · high 14.74% / low 14.49% Oct 6, 202614.74%▲ from 14.49% Sep 18, 202614.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Visa Signature Travel Rewards	-	16.74%
Details Published APR range: 16.74% - 17.74%. Intro rate expires: 15 months; Regular APR: 16.74% - 17.74% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 16.49% → 16.74% ▲ 0.25 pts · high 16.74% / low 16.49% Oct 6, 202616.74%▲ from 16.49% Sep 18, 202616.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Visa Platinum Card	-	16.99%
Details Intro rate expires: 12 months; Regular APR: 16.99% for both purchases and cash advances. Low Foreign Transaction Fee: Only 1% on international transactions outside of the U.S. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 11.49% → 16.99% ▲ 5.50 pts · high 16.99% / low 11.49% Sep 27, 202616.99%▲ from 11.49% Sep 18, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH Personal Loan Rates

Product	APR	Term	View More
Visa Signature Cash Rewards	14.74%
Details Published APR range: 14.74% - 16.74%. Intro rate expires: 15 months; Regular APR: 14.74% - 16.74% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 14.49% → 14.74% ▲ 0.25 pts · high 14.74% / low 14.49% Oct 6, 202614.74%▲ from 14.49% Sep 18, 202614.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Visa Signature Travel Rewards	16.74%
Details Published APR range: 16.74% - 17.74%. Intro rate expires: 15 months; Regular APR: 16.74% - 17.74% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 16.49% → 16.74% ▲ 0.25 pts · high 16.74% / low 16.49% Oct 6, 202616.74%▲ from 16.49% Sep 18, 202616.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

NATIONAL INSTITUTES OF HEALTH Other Rates

Product	Rate	Points	APY/APR
HELP Loan	-	-	18.00%
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Premium Share Account	0.01%	-	0.01%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Premium Share Account	0.03%	-	0.03%
Min Balance $5,000 Details Balance: $5,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
You Name It	0.01%	-	0.01%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

NATIONAL INSTITUTES OF HEALTH’s Texas Ratio rose from 3.84% in Q3 2023 to 4.98% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$817M	4.98%	5.0	A+
March 31, 2026	$825M	1.38%	5.0	A+
December 31, 2025	$804M	1.48%	5.0	A+
September 30, 2025	$814M	1.67%	5.0	A+
June 30, 2025	$810M	1.74%	5.0	A+
March 31, 2025	$818M	2.52%	5.0	A+
December 31, 2024	$793M	3.01%	5.0	A+
September 30, 2024	$792M	3.75%	5.0	A+
June 30, 2024	$792M	2.94%	5.0	A+
March 31, 2024	$798M	2.90%	5.0	A+
December 31, 2023	$799M	3.65%	5.0	A+
September 30, 2023	$810M	3.84%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for NATIONAL INSTITUTES OF HEALTH is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather NATIONAL INSTITUTES OF HEALTH rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with NATIONAL INSTITUTES OF HEALTH's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NATIONAL INSTITUTES OF HEALTH

Website http://www.nihfcu.org

Address 111 Rockville Pike Ste 500, Rockville, MD 20850

Phone 301-718-0208

Fax 301-770-5372

President Steven Berkowitz

CEO Richard Wieczorek

Full-Time Employees 135

Part-Time Employees 0

Branch Locations 7

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.98%

Return on Assets (ROA)

0.1912%

Return on Equity (ROE)

2.4119%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

816,682,592

Total Amount of Shares and Deposits

741,697,791

Total Shares and Deposits < 1 Year

736,024,626

Total Shares and Deposits 1 3 Years

5,041,394

Total Shares and Deposits > 3 Years

631,771

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

68,471,132

Total Uninsured Shares and Deposits > $250K (F+J)

68,471,132

Total Insured Shares and Deposits > $250K (item 17 less item K)

673,226,659

Total Interest Expense (Sum of items 6 8)

2,896,672

Share Certificates

4,939

Number of Accounts for Share Drafts

28,866

IRA KEOGH Accounts

978

Number of Accounts for Regular Shares

49,214

All other shares

Money Market Shares

1,051

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

50,452,425

Total Liabilities

762,905,040

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

NATIONAL INSTITUTES OF HEALTH earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About NATIONAL INSTITUTES OF HEALTH

How many branches does NATIONAL INSTITUTES OF HEALTH operate?

NATIONAL INSTITUTES OF HEALTH currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join NATIONAL INSTITUTES OF HEALTH?

Yes, to access services at NATIONAL INSTITUTES OF HEALTH, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, NATIONAL INSTITUTES OF HEALTH does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, NATIONAL INSTITUTES OF HEALTH provides members with tools to manage their accounts and build a solid financial history.

Does NATIONAL INSTITUTES OF HEALTH offer online and mobile banking?

Most modern institutions like NATIONAL INSTITUTES OF HEALTH provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.nihfcu.org.

Current NATIONAL INSTITUTES OF HEALTH Rates

12-Month CD4.25%
18-Month CD3.75%
24-Month CD3.75%
60-Month CD3.50%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

NATIONAL INSTITUTES OF HEALTH Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

NATIONAL INSTITUTES OF HEALTH Texas Ratio

NATIONAL INSTITUTES OF HEALTH Health Trend

NATIONAL INSTITUTES OF HEALTH CD Rates

NATIONAL INSTITUTES OF HEALTH Savings Rates

NATIONAL INSTITUTES OF HEALTH Money Market Rates

NATIONAL INSTITUTES OF HEALTH Mortgage Rates

NATIONAL INSTITUTES OF HEALTH Home Equity & HELOC

NATIONAL INSTITUTES OF HEALTH Auto Loan Rates

NATIONAL INSTITUTES OF HEALTH RV, Boat and Powersport Loan Rates

NATIONAL INSTITUTES OF HEALTH Credit Card Rates

NATIONAL INSTITUTES OF HEALTH Personal Loan Rates

NATIONAL INSTITUTES OF HEALTH Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

NATIONAL INSTITUTES OF HEALTH earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About NATIONAL INSTITUTES OF HEALTH

How many branches does NATIONAL INSTITUTES OF HEALTH operate?

Is a member application needed to join NATIONAL INSTITUTES OF HEALTH?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does NATIONAL INSTITUTES OF HEALTH offer online and mobile banking?

Current NATIONAL INSTITUTES OF HEALTH Rates

Compare to Other Credit Unions