NEXT STEP Rates and Review January 2026
Compare NEXT STEP CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of NEXT STEP savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityNEXT STEP money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at NEXT STEP? Share your experience about NEXT STEP by leaving a review below, or read customer reviews before you decide to use NEXT STEP. Overall, NEXT STEP is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVISA® Credit Cards
7.990%
Access FCU Visa Classic
13.500%
VISA Preferred
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonConsolidation Loans
14.850%
$0
37 - 60
Personal Loans
12.990%
$0
13 - 60
Ultra Loan
13.990%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have NEXT STEP rate data right now. Credit Union Profile & OverviewCredit Union Name: NEXT STEP
Website: http://www.nextstepfcu.org
Full Time Employees: 14Part Time Employees: 1 President: Mary Beth Vail CEO: Joseph Wiley Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
150 Defreest Dr
Troy, NY 12180 Phone Number: 518-286-1611 Fax Number: 518-286-2778 FinancialsTotal Assets:
105,551,711
Total Amount of Shares and Deposits:
95,307,308
Total Shares and Deposits < 1 Year:
90,519,980
Total Shares and Deposits 1 3 Years:
3,784,960
Total Shares and Deposits > 3 Years:
1,002,368
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
2,928,400
Total Uninsured Shares and Deposits > $250K (F+J):
2,928,400
Total Insured Shares and Deposits > $250K (item 17 less item K):
92,378,908
Total Interest Expense (Sum of items 6 8):
587,147
Share Certificates:
528
Number of Accounts for Share Drafts:
2,441
IRA KEOGH Accounts:
87
Number of Accounts for Regular Shares:
4,147
All other shares:
1,049
Money Market Shares:
410
Net Income (unless the amount is already included in Undivided Earnings):
403,533
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
8,571,529
Total Liabilities:
95,355,429
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About NEXT STEPIs a member application needed to join NEXT STEP?Yes, to access services at NEXT STEP, a member application is required. Is there a first-time homebuyer program?Currently, NEXT STEP provides a range of mortgage and home equity products. Is NEXT STEP a safe place to deposit money?Yes, NEXT STEP is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does NEXT STEP offer online and mobile banking?Most modern institutions like NEXT STEP provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.35%, 6-month CD rates at 3.50% and 3-month CD rates at 2.02%. Savings rates are at 0.03% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 6.00%. Credit Card rates are at 9.50%. Personal Loan rates are at 11.00%. All these rates, and more, can be found in our database of rates which you can compare to 
