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NextStep Federal Credit Union

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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

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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

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
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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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Memorial Day Branch Closure

Branches closed Saturday May 23rd and Monday May 25th

For the Memorial Day holiday, branches will be closed on Saturday May 23rd and Monday May 25th. We will reopen for regular business hours on Tuesday May 26th. During our closure, our Online Banking, Mobile App and CO-OP ATM locations will be available to assist you with you banking needs. Have a safe and happy holiday weekend!