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Advertiser Disclosure
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NATIONAL INSTITUTES OF HEALTH Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: September 3, 2026
NATIONAL INSTITUTES OF HEALTH's 6 Month Youth Saver rates are at 5.00%, 4 Month Summer Hike rates are at 4.25%, 4 Month Summer Hike rates are at 4.00%, 3 Month CD rates are at 3.88%, 9 Month CD rates are at 3.65%. NATIONAL INSTITUTES OF HEALTH's money market rates are at 0.01%. NATIONAL INSTITUTES OF HEALTH's Fornew mortgages or refinancing - 5 Year rates are at 5.74%, Fornew mortgages or refinancing - 10 Year rates are at 6.87%, Fornew mortgages or refinancing - 15 Year rates are at 7.24%, Fornew mortgages or refinancing - 20 Year rates are 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 1.38%. Rates last updated and verified on 09/03/2026. 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
Corporate Office 111 Rockville Pike Ste 500
http://www.nihfcu.org Rockville, MD 20850 
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 Credit Card Rates
Financial Health HistoryNATIONAL INSTITUTES OF HEALTH’s Texas Ratio fell from 3.28% in Q2 2023 to 1.38% in Q1 2026, so its financial health has improved and is now 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
130
Part-Time Employees
0
Branch Locations
7
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.38%
Return on Assets (ROA)
0.1046%
Return on Equity (ROE)
1.3160%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
825,474,881
Total Amount of Shares and Deposits
754,379,699
Total Shares and Deposits < 1 Year
746,894,870
Total Shares and Deposits 1 3 Years
6,868,887
Total Shares and Deposits > 3 Years
615,942
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
69,342,396
Total Uninsured Shares and Deposits > $250K (F+J)
69,342,396
Total Insured Shares and Deposits > $250K (item 17 less item K)
685,037,303
Total Interest Expense (Sum of items 6 8)
1,460,903
Share Certificates
4,942
Number of Accounts for Share Drafts
29,025
IRA KEOGH Accounts
1,000
Number of Accounts for Regular Shares
49,754
All other shares
5
Money Market Shares
1,071
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)
69,555,017
Total Liabilities
773,424,259
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for NATIONAL INSTITUTES OF HEALTH yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for NATIONAL INSTITUTES OF HEALTH
Frequently Asked Questions About NATIONAL INSTITUTES OF HEALTHHow 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
Retrieved from our database of financial products. Rates subject to change.
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