# NIH Federal Credit Union — user reviews > 85 indexed App Store user reviews of NIH Federal Credit Union by NIH Federal Credit Union, rated 4.80/5 from 7,678 ratings. - Source: https://appshunter.io/ios/app/nih-federal-credit-union/id431535907/reviews - App overview in markdown: https://appshunter.io/ios/app/nih-federal-credit-union/id431535907.md - Rating breakdown: 5★ 6,750 · 4★ 734 · 3★ 123 · 2★ 27 · 1★ 44 ## What do users think of NIH Federal Credit Union? Overall sentiment: positive **Pros** - 👍 Convenient mobile banking - 🚀 Easy to navigate app - 💡 Helpful ATM/branch locator - 👍 Reliable and consistent service - 👍 Excellent customer service - 👍 Secure and trustworthy - 👍 Positive long-term member experience **Cons** - 🐛 Occasional login/access issues - 🐛 Reduced functionality after app updates - 🐛 Inconsistent mobile deposit limits - 🐛 Difficulty finding/using Zelle feature - 🐛 Lack of international money transfer - 🐛 Limited account information in app **Commonly reported bugs** - Login issues after iOS updates - Mobile deposit not functioning properly - Inconsistent app performance and reliability **Most requested features** - Increase mobile deposit limits - Improve Zelle integration and visibility - Add international money transfer capability - Provide more detailed account information in app - Streamline login/logout process - Improve app stability and consistency after updates ## Newest reviews (17 of 85) ### 4/5 — Love credit union *2026-08-18, version 4022.0.0* Difficult to find what you are looking for directly on the app without going through trial and error ### 2/5 — Government paycheck *2025-11-17, version 4018.1.1* Government paychecks are never uploaded on time in the system like other bank institutional ### 4/5 — Branch office *2025-08-26, version 4018.0.0* I would love a branch office I could walk into within 30 miles or less of my home. ### 4/5 — Very convenient *2025-02-12, version 4015.2.3* It does have its problems from time to time , however most things get fixed. I’ll drop another review if anything is really a problem that needs to be fixed👍 ### 4/5 — Zelle *2024-11-07, version 4014.1.3* My only complaint about the APP is Zelle. I would prefer to access Zelle directly through the Zelle app or have an easier way of locating it in the link in the NIHFCU dashboard. It’s too difficult to find. Otherwise everything else is good. ### 5/5 — MsB *2024-08-20, version 4014.0.0* I’ve been a member for over three decades and I am quite satisfied with the quality of service. ### 5/5 — Silver spring visit *2023-12-08, version 4010.2.1* The guys at silver spring are very helpful. They are always taking care of my banking needs. Very reliable and highly recommended. The way are an asset for NIHFCU. ### 5/5 — Upset customer *2023-10-07, version 4009.1.1* Called various times and requested a manager call back regarding changes to my account that I viewed on the mobile app. I still haven’t received a call and it’s very disappointing. ### 4/5 — Easy to Navigate *2023-09-15, version 4009.1.1* NIHFCU is just easy to navigate - I am tech challenged. . Steps for activities are simple and direct. It is one organization where real humans answer and return calls to address concern. ### 5/5 — Love NIHFCU *2023-09-09, version 4009.1.1* I’ve been a member of this credit union for over 20 years. I have not had any negative experiences with them. Each problem that I’ve had has been successfully handled. Each associate with whom I’ve spoken with has been very helpful and considerate. ### 5/5 — Love it *2023-05-21, version 4007.2.1* NIH Credit Union takes good care of their member without being greedy in its’ profit like other banks do; I will remain a loyal member as long as I live 🫶🏻 ### 5/5 — Great App! *2022-09-05, version 4002.1.2* I like the new NIHFCU upgraded app - so easy to use! ### 5/5 — Great customer service and products! *2022-08-18, version 3023.4.0* Awesome credit union and I’m glad to be part of NIHFCU!💯💯💯 ### 5/5 — PROUD MEMBER *2022-05-03, version 3023.4.0* The NIHFCU has been my main banking source for more than 30 years. The convenient locations, excellent online banking, reasonable loan rates, excellent customer service & much more offered by the CU has made my long time banking experiences hassle free. Recently retired from NIH, I look forward to continuing my banking services at the NIHFCU. Thank you ### 5/5 — The only bank that Cares *2021-11-12, version 3020.1.1* While I have had great service over several years with other banks, nothing compares to the personal touch of NIHFCU. That service alone, the personal calls, emails etc to make sure I am ok with the services is unparalleled.Mr.BJ and Mr. Chris Asis deserve high fives!! ### 5/5 — Excellent Service! *2021-11-02, version 3020.1.1* I love banking with NIH; Excellent app and customer service!!! Great security procedure for access. ### 5/5 — Service *2021-10-06, version 3019.0.0* You have been there for every one of my banking needs. Thank you! ## Most critical reviews (10 lowest-rated) ### 1/5 — Subhuman garbage. *2026-01-16, version 4019.0.3* Hate this company and every subhuman that works there. ### 1/5 — What’s the malfunction? *2024-02-29, version 4012.1.0* Mobile deposit used to function easily, now it doesn’t work at all. Forget about getting customer service, you’ll get the run around and still have to go into one of the few and far branches. ### 1/5 — 2022 upgrade *2022-09-17, version 4002.3.1* 1 week later…still waiting for upgrade/update to be complete. NIHFCU blames Apple for not updating the app. In the meantime, I can’t access my account or conduct any transactions. Very disappointed. What are members supposed to do when they can’t access their accounts?????? ### 1/5 — It’s possessed *2019-09-18, version 3009.4* Logs you out in the middle of actions, won’t take the password. Went for two days and wouldn’t let me log on due to “system error” ### 1/5 — The worst app ever *2019-08-30, version 3009.4* Since its inception, I have have been randomly locked out of my account twice for no apparent reason, meaning I have to call in to reset it. When I go to pay my credit card bill or HELOC, I can no longer pay “Other Amount.” You have to choose the minimum due or the whole thing. What if I want to pay a different amount, but not exactly one of their preset options? The transfer feature is more annoying, but I have not been able to pinpoint yet what I dislike about it (likely because logging in is nearly impossible since it keeps locking me out). Sometimes the fingerprint works, sometimes I have to go through the process of resetting that. Not sure why. For some reason seeing a clear list of transactions for each account is now not clear. This new online platform is the worst. ### 1/5 — Lost functionality *2019-08-29, version 3009.4* The mandatory upgrade has taken several steps backwards in functionality. When using the bill pay option, after submitting the payment, you have to hunt around to get the confirmation number. Also, there is no subtotal on the scheduled payment screen. Losing the ability to do quick fund transfers to the mortgage is also annoying. It even takes more navigation to log out. ### 1/5 — One step forward, two steps back *2019-08-26* I get it that the credit union has to upgrade, change vendors, and such. But it seems like they lost more features and made everything busier. There’s extra steps now to pay my mortgage instead of a quick transfer. Until they fix or update that altogether, this will remain one star. ### 1/5 — Awful *2019-08-16, version 3009.4* Nowhere to request a temporary password after my iPhone upgraded to ios12 and now I can’t login. The app is as poor as the customer service. ### 1/5 — Doesn't work *2019-07-24, version 5.11.0.26* Unable to even use app. Update is not available to iOS 10 users. Very lame. ### 1/5 — Too limited *2018-11-13, version 5.10.1.25* Not user-friendly enough!! ## Most praised reviews (10 highest-rated) ### 5/5 — EXCELLENT SERVICE *2026-08-11, version 4022.0.0* EXCELLENT ### 5/5 — A solid credit union *2026-07-08, version 4021.1.3* I have enjoyed the service and experience that NIHFCU has provided to me as a customer. ### 5/5 — Great Customer Service *2026-05-28, version 4021.0.2* I always get top class customer service anytime I call. The App serves all my need ### 5/5 — NIH Credit Union *2026-04-28, version 4020.2.0* The NIH Credit Union has been providing wonderful service to NIH employees. The branches on campus and the ATM machines at different locations are convenient for us, which is one of the reasons that I use credit union. I hope the ATM machines in Bldg 45 will remain here. ### 5/5 — NIHFCU *2026-04-16, version 4020.2.0* I am learning a lot and taking my credit very seriously. NIHFCU is keeping in track and keeping me focused on my goals ### 5/5 — Member for 42 years *2025-07-16, version 4017.2.0* I would never consider banking anyplace else. ### 5/5 — BBIA *2025-06-23, version 4017.1.1* Best bank in America. There customer service skills is like no other. They love their customers!! ### 5/5 — Pleasant interaction with the NIHFCU *2025-04-12, version 4016.2.2* My interactions with the NIHFCU have consistently been exceptional, making me feel valued and appreciated. The level of service is outstanding, and the staff’s attentiveness and professionalism truly make me feel like a “million dollar person”. Even though my wife is not a member, the NIHFCU extends a warm and welcoming atmosphere that speaks volumes about their commitment to customer satisfaction. The credit union stands out for its dedication to its customers, providing a banking experience that is both personal and highly satisfying. I would highly recommend the NIHFCU to anyone seeking a financial institution that prioritizes its members and delivers top-tier service. ### 5/5 — Dr SAJEEV *2024-11-01, version 4014.1.3* Nice interface ### 5/5 — 10/10 *2024-08-26, version 4014.0.0* Perfect --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*