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NextStep Federal Credit Union

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Signature Loan

Whether you need some extra cash for college bills or holiday expenses, or if a wedding or vacation is in your future, a low interest rate personal loan can help cover the expense.

Features

Borrow up to $30,000
Fixed, competitive rates
Terms up to 72 months if credit qualified
No prepayment penalties
No application or origination fees
Flexible repayment options

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To get things started, we invite you to call your local branch ...

Call our Albany branch
518.456.1611

Call our Troy branch
518.286.1611

... or fill out an in-person appointment request.

Are you a NextStep member or new to us?

I’M ALREADY A MEMBER

I’M NOT YET A NEXTSTEP MEMBER

IMPORTANT: To bank with NextStep you need to be able to say yes to one of the two qualifying statements below:

YES, I live, work, worship or attend school in either Albany, Columbia, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, or Washington County in New York State

or

YES, I’m a family member (by blood or through marriage) of a current NextStep FCU or School Systems FCU) member

Name(Required)

First

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Email(Required)

I am interested in discussing ...

Checking and Savings Accounts

Vehicle Loans

Mortgages

Educational Loans

Home Equity or Other Loan

Other

Please leave a short message including preferred appointment day and time(Required)

Preferred method of contact for confirmation

Please email me

Please call me

APPLY ONLINE

Not yet a NextStep member?
That’s totally okay. Just check that you qualify and then join when you
apply for your account or accept your loan.

Online Banking
How to Bank with Us
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Contact Us

Albany Branch
325 Washington Avenue Ext., Albany, NY 12205
518.456.1611
Map & Driving Directions

Troy Branch
150 Defreest Drive, Troy, NY 12180
518.286.1611
Map & Driving Directions

Routing Number: 221382358

Federally Insured by NCUA

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Albany Branch Closed 8/1/2026

Due to circumstances beyond our control as a result of an area internet outage, our Albany Branch is closed today, August 1st, 2026. Our Troy Branch is open regular hours 9am-Noon. During this unexpected closure of the Albany branch, our *New* Online Banking, Mobile App and CO-OP ATM locations will be available to assist you with you banking needs. You may also visit or call us at the Troy Branch location 518-286-1611. We apologize for any inconvenience!