Next Step Credit Union
Verified rate book
Current Next Step Credit Union rates
6 published offers verified as of August 4, 2026.
Mortgage rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 7/1 ARM7 1 arm | 5.125% APR | 5.125% | — | Standard |
| 10/1 ARM10 1 arm | 5.375% APR | 5.375% | — | Standard |
| Conventional 15-Yearother | 5.500% APR | 5.250% | — | Standard |
| Conventional 20-Yearother | 5.574% APR | 5.375% | — | Standard |
| Conventional 30-Yearother | 5.904% APR | 5.750% | — | Standard |
Savings & CD rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Certificateshare_certificate | 3.00% APY | 3.00% | — | Standard |
As of August 4, 2026, Next Step Credit Union offers a 7 1 arm mortgage at 5.125% APR. Savings and certificate yields up to 3.00% APY.
Source: RateAPI.dev, verified from Next Step Credit Union's official website
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About Next Step Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 4.3K
- Assets
- $107.1M
- Founded
- 1954
- Locations reported
- 3
- NCUA charter
- 9486
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Next Step Credit Union
Membership eligibility from Next Step Credit Union's own published criteria. How we verify this.
Membership criteria are published on Next Step Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationAlbany, Rensselaer — NY
Verified from Next Step Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Next Step Credit Union?
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Frequently Asked Questions
What rates does Next Step Credit Union offer?
Next Step Credit Union currently offers mortgage rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Next Step Credit Union rates updated?
RateAPI verifies Next Step Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Next Step Credit Union's rate data?
Rate data is collected directly from Next Step Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Next Step Credit Union's mortgage rate?
As of August 4, 2026, Next Step Credit Union offers a 7 1 arm mortgage at 5.125% APR.
What is Next Step Credit Union's best CD rate?
As of August 4, 2026, Next Step Credit Union offers savings and certificate (CD) yields up to 3.00% APY.
Related Rate Data
Compare Next Step Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Next Step Credit Union rates
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Use it via API
Access this data programmatically with our REST API
# Get rates for Next Step Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/next-step" \
-H "Authorization: Bearer YOUR_API_KEY"