Skip to content

Find ATM in

ATM Search

Δ

Zip Code

Login Contact

Login

NextStep Federal Credit Union

For All the Adventures Ahead

Bank
Borrow
Resources
About
Contact
Careers
Find Nearest ATM

Search:

Bank
Borrow
Resources
About
Contact
Careers
Find Nearest ATM

Used Vehicle Loans

Know how much you can afford and have your financing in hand when you negotiate.

Features

Competitive rates (see current rates)
No down payment required
Finance up to 110% of vehicle price
Flexible terms to fit any budget, up to 84 months
No prepayment penalties
No application or origination fees

CALL or MAKE APPOINTMENT

Apply Popup

Δ

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

Phone(Required)

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
Rates
Careers
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

Third-Party Links | Privacy Policy | Mobile Privacy Policy

Go to Top

PHONES ARE CURRENTLY DOWN AT BOTH LOCATIONS

Phone lines are currently down at both of our branch locations. Please use the secure message portal within online banking to reach us as we work to restore our phone lines. We apologize for any inconvenience and appreciate your understanding.