NIH FCU

NIH Federal Credit Union is now the coolest thing around.  It used to only be open to the scientists at the National Institutes of Health but now it is open to everyone.  You should join at: https://www.nihfcu.org/become-a-member/

There are four easy ways to qualify for NIHFCU membership: 1. You’re an employee, contractor, fellow, volunteer, pensioner/retiree of the National Institutes of Health. 2. You’re an employee, member, or student of one of our many partners. Click here for a list. NIHFCU@Work Partners 3. You’re a child, sibling, parent, spouse, grandchild, or grandparent of, or share joint household financial responsibility with, a current NIHFCU member. 4. Or, none of the above? we’ll open a free membership for you to the American Consumer Council, a non-profit Consumer Education organization. It requires no work on your part and qualifies you immediately for NIHFCU membership.

They have a secured credit card with no annual fee and an interest rate of 8.99%.  

Do they require a hard pull for membership?  Unknown, I would say probably.

I think this is one of an elite group of credit unions including Navy Federal, NASA FCU, United Nations FCU and State Dept FCU.  Forget American Express, forget Chase and all the other toxic banks.  Join NIH FCU today!

They were so popular that their website temporarily crashed, but it should be back up now.