Welcome to next-step, where we have proudly served our community since 1954. Our mission is to empower our members with exceptional financial services while fostering a sense of belonging and trust. Under the leadership of CEO Joseph Wiley and Board President Mary Beth Vail, we are dedicated to enhancing the financial well-being of our members, including military personnel and their families. Located in the heart of Troy, NY, we understand the unique needs of our community and strive to meet them through personalized service.

At next-step, your financial security is our top priority, which is why we are proud to be NCUA insured since 1/4/1971 0:00. We embrace modern banking technology to make your banking experience seamless and convenient. With features such as online banking, a mobile application for on-the-go access, person-to-person transfers, e-statements, mobile payments, and e-signature authorization, we ensure that you can manage your finances anytime, anywhere. Our commitment to accessibility and member-first approach reflects our dedication to building lasting relationships with those we serve. For more information about our services or to contact us directly, please visit our official website at https://nextstepfcu.org/ or reach out via fax at (518) 286-2778.

At next-step, we understand that managing your finances is an essential part of achieving your personal and business goals. Our comprehensive range of services is designed to cater to your diverse banking needs, whether you are looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgage refinancing, or even business banking solutions such as merchant services and business loans. We pride ourselves on offering convenient ATM & cash withdrawal services alongside online and mobile banking capabilities that allow you to access your accounts anytime, anywhere.

Digital access is a key feature of our offerings at next-step. With our user-friendly online banking platform and mobile application, members can easily manage their finances on the go. Features such as person-to-person transfers, mobile payments, e-statements, and e-signatures make it effortless to handle everyday transactions and plan for significant life milestones. Whether you're saving for a dream home or expanding your small business, our tools are designed to support you every step of the way. For those considering membership, we invite you to explore our eligibility requirements at http://www.nextstepfcu.org/become-a-member-certificate . Plus, if you're in the market for a loan, don't hesitate to check out competitive rates through our loan comparison tool at https://www.lendmesh.com/loans/personal_loans . Should you have any questions or need personalized assistance, feel free to reach out to us directly at (518) 286-2778; we're here to help you succeed financially.

At next-step, we pride ourselves on being a trusted financial partner for our members, a reputation built on transparency, performance, and unwavering commitment to service excellence. With a robust Total Membership of 4,760, our community is growing, reflecting the trust and satisfaction of those we serve. Our financial strength is underscored by impressive metrics, including Total Assets amounting to 104,240,968 and a solid Net Worth of 10,036,869. This financial stability allows us to provide a wide range of services tailored to meet the unique needs of our members.

Our commitment to sound financial practices is evident in our Net Income of 485,991, which enhances our ability to reinvest in member services and community initiatives. With Total Deposits reaching 6,515,644, we ensure that your money is safe while working diligently to grow it. Our diverse portfolio includes Total Loans and Leases totaling 2,319, allowing us to support our members in achieving their financial goals—from homeownership to starting new ventures.

With a dedicated team comprising Total Employees of 15, we are here to assist you at every turn. Our Net Worth Ratio stands at an impressive 970, indicating our strong capital base and ability to manage risk effectively. Furthermore, we offer competitive products, including a substantial Credit Card Loan Volume of 834 and accessible Auto Loan Volume of 230, designed with your financial aspirations in mind.

At next-step, we believe in empowering our members through responsible lending practices while maintaining low levels of risk as reflected in our Total Borrowings of 0. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov .

Join us today and experience the difference that comes with partnering with a financially sound institution dedicated to your success. Compare real-time loan offers today at https://www.lendmesh.com/loans/personal_loans and find the best rates for your needs.