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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
NATIONAL INSTITUTES OF HEALTH Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 19, 2026
NATIONAL INSTITUTES OF HEALTH's 6 Month Youth Saver rates are at 5.00%, IRA 12 Month Jumbo CD rates are at 5.00%, IRA 12 Month CD rates are at 4.50%, IRA 15 Month Bump-Up CD rates are at 4.50%, CD - 12 Month rates are at 4.25%. NATIONAL INSTITUTES OF HEALTH's savings rates are at 0.25%. NATIONAL INSTITUTES OF HEALTH's money market rates are at 0.20%. NATIONAL INSTITUTES OF HEALTH's Personal Loan Rates are as low as 14.74%. NATIONAL INSTITUTES OF HEALTH's Credit Card Rates are at 11.74%. 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 10/19/2026.
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.
NATIONAL INSTITUTES OF HEALTH has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
NATIONAL INSTITUTES OF HEALTH has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.98%
ExcellentLower than avg
NATIONAL INSTITUTES OF HEALTH Texas Ratio
NATIONAL INSTITUTES OF HEALTH's Texas Ratio is 4.98%, which is considered excellent and is lower than the national average of 6.13%.
NATIONAL INSTITUTES OF HEALTH has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.84% to 4.98% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
6 Month Youth Saver
4.88%
5.00%
6 Month
Min Deposit$500
DetailsYouth Saver
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 12 Month Jumbo Certificate
4.879%
5.00%
12 Month
Min Deposit$100,000
DetailsJumbo certificate; cannot be opened online, visit any branch or call 1-800-877-6440; dividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 5.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 12 Month Certificate
4.402%
4.50%
12 Month
Min Deposit$500
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 12 Month Certificate
4.402%
4.50%
12 Month
Min Deposit$10,000
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 15 Month Bump-Up Certificate
4.402%
4.50%
15 Month
Min Deposit$500
DetailsBump-Up certificate: one rate increase allowed for remainder of term if rate on same-term certificates increases; must be requested via Bump-Up form; dividends compounded daily and credited monthly
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 15 Month Bump-Up Certificate
4.402%
4.50%
15 Month
Min Deposit$10,000
DetailsBump-Up certificate: one rate increase allowed for remainder of term if rate on same-term certificates increases; must be requested via Bump-Up form; dividends compounded daily and credited monthly
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 12 Month
4.162%
4.25%
12 Month
Min Deposit$500
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 12 Month
4.162%
4.25%
12 Month
Min Deposit$10,000
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 36 Month Certificate
4.162%
4.25%
36 Month
Min Deposit$500
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 9 Month Certificate
4.163%
4.25%
9 Month
Min Deposit$10,000
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 36 Month
3.922%
4.00%
36 Month
Min Deposit$500
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 9 Month
3.922%
4.00%
9 Month
Min Deposit$10,000
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 18 Month Certificate
3.922%
4.00%
18 Month
Min Deposit$500
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 24 Month Certificate
3.922%
4.00%
24 Month
Min Deposit$500
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 24 Month Certificate
3.922%
4.00%
24 Month
Min Deposit$10,000
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 3 Month Certificate
3.803%
3.875%
3 Month
Min Deposit$500
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.88% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 18 Month
3.682%
3.75%
18 Month
Min Deposit$500
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 24 Month
3.682%
3.75%
24 Month
Min Deposit$500
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 24 Month
3.682%
3.75%
24 Month
Min Deposit$10,000
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 30 Month Bump-Up Certificate
3.682%
3.75%
30 Month
Min Deposit$500
DetailsBump-Up certificate: one rate increase allowed for remainder of term if rate on same-term certificates increases; must be requested via Bump-Up form; dividends compounded daily and credited monthly
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 30 Month Bump-Up Certificate
3.682%
3.75%
30 Month
Min Deposit$10,000
DetailsBump-Up certificate: one rate increase allowed for remainder of term if rate on same-term certificates increases; must be requested via Bump-Up form; dividends compounded daily and credited monthly
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 60 Month Certificate
3.681%
3.75%
60 Month
Min Deposit$500
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 3 Month
3.562%
3.625%
3 Month
Min Deposit$500
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.63% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 6 Month Certificate
3.561%
3.625%
6 Month
Min Deposit$500
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.63% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
IRA 6 Month Certificate
3.561%
3.625%
6 Month
Min Deposit$10,000
DetailsDividends compounded daily and credited monthly; early withdrawal penalties apply
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.63% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 60 Month
3.44%
3.50%
60 Month
Min Deposit$500
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 6 Month
3.32%
3.375%
6 Month
Min Deposit$500
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.38% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Certificate - 6 Month
3.32%
3.375%
6 Month
Min Deposit$10,000
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.38% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
NATIONAL INSTITUTES OF HEALTH Savings Rates
Product
Rate
APY
View More
Premier Traditional & Roth IRA Savings Account
0.249%
0.25%
Min Balance$0
DetailsBalance: $0-$5,000; NIHFCU IRA products are not available online. Stop by any branch or call 1-800-877-6440 to start an IRA account.
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Premier Traditional & Roth IRA Savings Account
0.249%
0.25%
Min Balance$5,001
DetailsBalance: $5,001-$25,000; NIHFCU IRA products are not available online. Stop by any branch or call 1-800-877-6440 to start an IRA account.
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Premier Traditional & Roth IRA Savings Account
0.249%
0.25%
Min Balance$25,001
DetailsBalance: $25,001 and above; NIHFCU IRA products are not available online. Stop by any branch or call 1-800-877-6440 to start an IRA account.
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 2 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
DetailsBalance: $5,000 and over
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Holiday Club Account
0.01%
0.01%
Min Balance$0
DetailsBalance: $0; Dividends are credited and compounded monthly
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 0.01% APY · 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
DetailsBalance: $0 - $4,999.99
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
NATIONAL INSTITUTES OF HEALTH Business Savings Rates
Product
Rate
APY
View More
Regular Share Account - Individual & Business
0.01%
0.01%
Min Balance$1
DetailsBalance: $1 and over; APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings.
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
NATIONAL INSTITUTES OF HEALTH Money Market Rates
Product
Rate
APY
View More
Premier Advantage Money Market
0.20%
0.20%
Min Balance$25,000
DetailsBalance: $25,000+; Individual & Business; APY=Annual Percentage Yield. Dividends are credited and compounded monthly.
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 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
DetailsBalance: $10,000 - $24,999.99; Individual & Business; APY=Annual Percentage Yield. Dividends are credited and compounded monthly.
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 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
DetailsBalance: $0 - $9,999.99; Individual & Business; APY=Annual Percentage Yield. Dividends are credited and compounded monthly.
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
NATIONAL INSTITUTES OF HEALTH Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Prime - 1% Home Equity Line of Credit
-
-
6.00%
DetailsLoan-to-Value: Up to 80% LTV; Variable APR based on WSJ Prime Index & Margin (if any) - 1%; 4.00% minimum interest rate/floor; lifetime maximum variable APR 18%; minimum line of credit $50,000; maximum line of credit $250,000; minimum average monthly balance $40,000 for first 3 years; 0.25% discount for automatic payments from an NIHFCU account
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 6.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Traditional Home Equity Line of Credit
-
-
7.00%
DetailsLTV: Up to 80%; Variable APR based on current WSJ Prime Index & Margin (if any); 4.00% floor; Automatic payment discount of 0.25% included
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Home Equity Loan - 5 Year
5.74%
-
7.193%
5 Year
DetailsInterest Rate (as low as) 5.740%; APR (as low as) 7.193%; Owner-occupied single-family and townhome, LTV up to 80%; 0.25% automatic payment discount included, rate rises 0.25% if automatic payment ceases; Excellent credit borrowers
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 7.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Home Equity Loan - 10 Year
6.87%
-
7.658%
10 Year
DetailsInterest Rate (as low as) 6.870%; APR (as low as) 7.658%; Owner-occupied single-family and townhome, LTV up to 80%; 0.25% automatic payment discount included, rate rises 0.25% if automatic payment ceases; Excellent credit borrowers
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 7.66% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Traditional Home Equity Line of Credit
-
-
7.75%
DetailsLTV: 80.01% - 90.00%; Variable APR based on current WSJ Prime Index & Margin (if any); 4.00% floor; Automatic payment discount of 0.25% included
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 7.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Home Equity Loan - 15 Year
7.24%
-
7.808%
15 Year
DetailsInterest Rate (as low as) 7.240%; APR (as low as) 7.808%; Owner-occupied single-family and townhome, LTV up to 80%; 0.25% automatic payment discount included, rate rises 0.25% if automatic payment ceases; Excellent credit borrowers
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 7.81% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Traditional Home Equity Line of Credit
-
-
8.00%
DetailsLTV: 90.01% - 95.00%; Variable APR based on current WSJ Prime Index & Margin (if any); 4.00% floor; Automatic payment discount of 0.25% included
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 8.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Traditional Home Equity Line of Credit
-
-
8.50%
DetailsLTV: 95.01% - 100.00%; Variable APR based on current WSJ Prime Index & Margin (if any); 4.00% floor; Automatic payment discount of 0.25% included
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
Home Equity Loan - 20 Year
8.24%
-
8.716%
20 Year
DetailsInterest Rate (as low as) 8.240%; APR (as low as) 8.716%; Owner-occupied single-family and townhome, LTV up to 80%; 0.25% automatic payment discount included, rate rises 0.25% if automatic payment ceases; Excellent credit borrowers
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 8.72% APR · checked 2 times
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%
DetailsAs Low As; Featured rate on NIHFCU homepage (Fresh Air, Fresh Rates, Fresh Rides)
Last Updated10/19/2026
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
View More
New Motorcycle Loan
-
7.74%
36 months
DetailsAs Low As; New motorcycle (title not recorded, 2,000 or less miles); lowest APR for excellent credit includes 0.25% automatic-debit discount
Last Updated10/19/2026
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
DetailsAs Low As; New motorcycle (title not recorded, 2,000 or less miles); lowest APR for excellent credit includes 0.25% automatic-debit discount
Last Updated10/19/2026
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
DetailsAs Low As; New motorcycle (title not recorded, 2,000 or less miles); lowest APR for excellent credit includes 0.25% automatic-debit discount
Last Updated10/19/2026
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
DetailsAs Low As; Used motorcycle loans up to 8 years old; includes 0.25% automatic-debit discount
Last Updated10/19/2026
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
DetailsAs Low As; Used motorcycle loans up to 8 years old; includes 0.25% automatic-debit discount
Last Updated10/19/2026
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
DetailsAs Low As; Used motorcycle loans up to 8 years old; includes 0.25% automatic-debit discount
Last Updated10/19/2026
Rate History
1 change since Sep 14, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49%
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 Platinum Card
-
16.74%
DetailsVariable APR for both purchases and cash advances; no-annual-fee card for NIH Fellows with no credit score; credit lines up to $2,500; 1% foreign transaction fee
Last Updated10/19/2026
Rate History
3 changes since Sep 18, 2026 · 11.49% → 16.74% ▲ 5.25 pts · high 16.99% / low 11.49%
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
Term
View More
HELP Loan
-
-
18.00%
Last Updated10/19/2026
Rate History
No change since Oct 6, 2026 · 18.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
You Name It Account
0.01%
-
0.01%
Min Balance$0
DetailsBalance: $0; Dividends are credited and compounded monthly
Last Updated10/19/2026
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.98%
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.
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
5
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
2026 MBR Health & Safety Badge
NATIONAL INSTITUTES OF HEALTH earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About NATIONAL INSTITUTES OF HEALTH
Does NATIONAL INSTITUTES OF HEALTH offer CDs?
Yes. NATIONAL INSTITUTES OF HEALTH offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.
Are CDs from NATIONAL INSTITUTES OF HEALTH NCUA insured?
Yes. NATIONAL INSTITUTES OF HEALTH is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at NATIONAL INSTITUTES OF HEALTH?
The highest CD rate MonitorBankRates has verified for NATIONAL INSTITUTES OF HEALTH is 5.00% APY on its 6 Month Youth Saver CD, as of October 19, 2026.
What CD terms does NATIONAL INSTITUTES OF HEALTH offer?
The NATIONAL INSTITUTES OF HEALTH CD terms we track include 6 month, 12 month, 15 month, 18 month, 2 year and 5 year terms, with rates from 4.25% to 5.00% APY. The institution may offer other terms or specials that are not listed here, so check with NATIONAL INSTITUTES OF HEALTH for its full lineup.
What is the highest savings rate at NATIONAL INSTITUTES OF HEALTH?
The highest savings rate MonitorBankRates has verified for NATIONAL INSTITUTES OF HEALTH is 0.25% APY on its Premier Traditional & Roth IRA Savings Account, as of October 19, 2026.
What is the highest money market rate at NATIONAL INSTITUTES OF HEALTH?
The highest money market rate MonitorBankRates has verified for NATIONAL INSTITUTES OF HEALTH is 0.20% APY on its Premier Advantage Money Market, as of October 19, 2026.
What is the lowest auto loan rate at NATIONAL INSTITUTES OF HEALTH?
The lowest auto loan rate MonitorBankRates has verified for NATIONAL INSTITUTES OF HEALTH is 4.24% APR on its Auto Loans, as of October 19, 2026.
What is the lowest personal loan rate at NATIONAL INSTITUTES OF HEALTH?
The lowest personal loan rate MonitorBankRates has verified for NATIONAL INSTITUTES OF HEALTH is 14.74% APR on its Visa Signature Cash Rewards, as of October 19, 2026.
What is the lowest credit card APR at NATIONAL INSTITUTES OF HEALTH?
The lowest credit card rate MonitorBankRates has verified for NATIONAL INSTITUTES OF HEALTH is 11.74% APR on its Visa Platinum Card Credit Card, as of October 19, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do NATIONAL INSTITUTES OF HEALTH rates compare?
NATIONAL INSTITUTES OF HEALTH's top rates are 5.00% APY on its 6 Month Youth Saver CD, 0.25% APY on savings, 0.20% APY on money market, personal loans from 14.74% APR and credit cards from 11.74% APR, verified by MonitorBankRates on October 19, 2026. To compare NATIONAL INSTITUTES OF HEALTH with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best personal loan rates, updated daily from banks and credit unions across the country.
Current NATIONAL INSTITUTES OF HEALTH Rates
12-Month CD4.25%
18-Month CD3.75%
24-Month CD3.75%
60-Month CD3.50%
Savings0.25%
MMA0.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
