Next Step Credit Union Troy NY | Convenient ATM Access & Services

Introduction

Welcome to Next Step, your trusted partner in financial well-being located at 150 Defreest Dr, Troy, NY 12180. Established in 1954, we have proudly served our community for decades, building a strong foundation of trust and reliability. With a membership of over 4,760 individuals, we are dedicated to helping you achieve your financial goals through personalized service and innovative solutions. At Next Step, we understand that every member has unique needs. That's why we offer a variety of services tailored to support you on your financial journey. Our total assets amount to an impressive $104,240,968, showcasing our stability and commitment to serving you well. Whether you're looking for loans or savings options, our total deposits stand at $6,515,644, ensuring that your funds are secure with us. Led by our CEO Joseph Wiley and Board President Mary Beth Vail, our team is committed to providing exceptional service. We have a dedicated staff of 15 employees who are here to assist you every step of the way. We believe in making banking accessible and easy for everyone so whether you want to discuss loans (with a total of 2,319 outstanding leases) or explore savings options, we're just a phone call away at 518-286-1611. While members can visit us at our branch location, official correspondence should be sent to the same address: 150 Defreest Dr, Troy, NY 12180. Join us today and experience the difference that a community-focused credit union can make in your life. Visit our website at Next Step for more information or stop by to meet our friendly staff!

Branch History & Mission

Community Engagement

Our dedication extends beyond just financial services; we actively engage in partnerships that enhance the quality of life in our area. By participating in local events and supporting various outreach efforts, we aim to uplift those around us while creating lasting relationships with our members. Next Step is more than just a place to bank; it's where you can find guidance, support, and opportunities for growth. Whether you're looking for loans or simply need advice on managing your finances, we invite you to join us.

Join Us

Experience the difference at Next Step! Explore how we can assist you in achieving your financial goals while contributing positively to our community. For more information or assistance, feel free to contact us at (518) 286-1611 or visit our website at nextstepfcu.org. Join us today and take your first step towards financial empowerment!

Our Journey

From the start, Next Step was founded on the principles of mutual support and community empowerment. We have always believed in the strength of working together to achieve financial wellness. Over the years, we have expanded our services and resources to better meet the needs of our members. As we grew, we focused on offering innovative financial products and services while maintaining a personal touch that sets us apart. Our headquarters in Troy serves as a hub for our operations, allowing us to stay connected with local businesses and families. Today, we pride ourselves on being not just a credit union but a vital part of the community fabric. Our commitment is reflected in every aspect of our operation from ensuring compliance with ADA standards to providing user-friendly digital banking options like online banking and mobile payments.

Our Mission

At Next Step, our mission is clear: to provide accessible financial solutions that empower our members and strengthen our community. We strive to make banking simple and efficient while also supporting local initiatives and organizations. Our services are designed not only to help individuals manage their finances but also to foster economic growth within Troy and beyond. While members can visit us at 150 Defreest Dr for all their banking needs, official correspondence should be sent to the same address. We are dedicated to making your experience as seamless as possible during our operating hours: Monday through Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM.

Branch Location & Accessibility

Call to Action

We invite you to visit the Next Step Troy Branch today! Our team is eager to support you on your financial journey. Whether you're a long-time member or considering joining our credit union family, we are here for you. Stop by soon or give us a call we look forward to serving you!

Nearby Landmarks and Accessibility Features

Our branch is close to several well-known spots that make it easy to find us. If you're heading towards the popular Defreest Park or visiting the local shopping centers, just swing by! We have ample parking available right in front of our building, ensuring you can park with ease. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant ramps to accommodate all members.

Operating Hours and Services Offered

At Next Step Troy Branch, we understand that life can be busy. That's why we offer flexible operating hours: we're open Monday through Thursday from 9 AM to 4:30 PM, Fridays from 9 AM to 6 PM, and Saturdays from 9 AM to 1 PM. Our team is ready to assist you during these hours with a range of services designed to meet your financial needs. While we currently do not have ATM services or drive-thru banking available at this location, our dedicated staff is here to help you with everything from opening accounts to applying for loans. You can reach us at (518) 286-1611 if you have any questions or need assistance.

Member Eligibility

Joining the Next Step community is an exciting opportunity to gain access to personalized financial services and support. At Next Step, located at 150 Defreest Dr, Troy, NY 12180, we welcome anyone who lives, works, or worships in Rensselaer County to become a member. This inclusive approach means that if you're part of our community, you can benefit from a range of services designed to help you achieve your financial goals. Not only will you find competitive rates and low fees, but you'll also be joining a supportive network that puts your needs first. Becoming a member is straightforward! To learn more about the specific eligibility criteria and ensure you're ready to take this step with us, visit our website at http://www.nextstepfcu.org/become-a-member-certificate. If you're ready to open an account and start enjoying the benefits right away, check out the details here: http://www.nextstepfcu.org/kasasa-cash-back/. If you have any questions or need assistance, feel free to give us a call at 518-286-1611. We look forward to welcoming you into our family!

Business Banking & Commercial Services

Financing Solutions That Grow With You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer merchant services that make transactions easier. Imagine accepting payments effortlessly while focusing on what you do best running your business. Whether it's enabling card payments or simplifying payroll, our services are tailored to boost efficiency and enhance customer satisfaction. Visit us at 150 Defreest Dr Troy Ny 12180, Troy, NY or call us at (518) 286-1611 to learn how we can support your business today!

Comprehensive List Of Services

Contact Us

Have questions? Our team is just a phone call away! Feel free to reach out at (518) 286-1611 during our operating hours: Monday through Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. At Next Step, we are more than just a credit union; we are a partner in your financial journey. Come visit us today and see how we can help you achieve your financial goals!

Digital Banking Features

In today's fast-paced world, having access to your accounts anytime and anywhere is crucial. That's why Next Step offers robust digital banking features, including online banking and mobile payments. Imagine being able to check your balance or transfer funds right from your smartphone while you're out and about in Troy, NY.

Everyday Banking Solutions

Navigating your finances can be easier than you think. With services like ATM Services Only, we ensure that accessing your money is simple and convenient. You can count on us for quick cash withdrawals and account inquiries, making it easier to manage your daily expenses without any hassle.

Personalized Service

Our friendly staff at Next Step, located at 150 Defreest Dr Troy Ny 12180, understands that each member has different financial goals. We are committed to listening to your needs and guiding you through our services so you can make informed decisions about your money. Whether you're planning for a major purchase or simply looking to save more effectively, we're here to help!

Digital & Online Banking

Accessibility & Ease-of-Use

At Next Step, we strive to make banking accessible for everyone. Our user-friendly interface ensures that you can navigate through all our services without any trouble. Real-time account management means that you can monitor your finances whenever you need, giving you peace of mind. In today's fast-paced world, we believe that banking should fit into your lifestyle not the other way around. Explore how our digital and online banking features can simplify your financial life today!

Key Features

With our online banking platform available at https://nextstepfcu.org/, you can enjoy 24/7 access to your accounts. This means no more waiting in line or rushing to the branch before closing time. Whether it's checking your balance or viewing transaction history, everything you need is right at your fingertips. Need to sign documents? Our electronic signature authorization feature allows you to complete important paperwork quickly and securely from the comfort of your home. And if you're looking for a way to keep track of your spending without the clutter of paper statements, e-statements are available as well helping you stay organized and eco-friendly. For those on the go, our mobile application makes banking even easier. You can make person-to-person transfers with ease, ensuring that sending money to friends or family is hassle-free. Plus, if you're a fan of mobile payments, you'll be pleased to know that this feature is also supported making everyday transactions simple and efficient.

Financial Strength

Commitment to Growth

Our commitment to reinvesting in our community is evident with $7,642,822 in undivided earnings. This allows us to enhance banking tools, improve lending options, and strengthen security measures to serve you better. We support your financial goals with $115 in used auto loans and $36,884,931 in total loans and leases.

Growing Membership Base

The trust placed in us by our members is reflected in the total share accounts, which number at 8,912. This growing member base underscores the confidence our community has in our ability to manage their finances effectively. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Next Step is your trusted partner. Visit us at 150 Defreest Dr Troy Ny 12180 or call (518) 286-1611 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member Savings Secured

Your savings are safe with us. Members' funds are secured through $11,812,541 in share certificates and $23,011,461 in money market shares, providing stable and rewarding growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a reported net income of $123,402, which empowers us to continue offering competitive loan rates and solid financial products tailored for our members. Additionally, we take pride in having 14 full-time employees and 1 part-time employees ready to assist you with their knowledge and commitment.

Solid Financial Health

With a net worth of $10,036,869, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.70% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,514,595 in used vehicle loans and $6,951,228 in new vehicle loans already helping members get on the road. We provide flexible terms that make it easier for you to drive away with the vehicle you want.

Credit Lines

If you're looking for added flexibility, our credit lines totaling $10,000,000 can provide you with the peace of mind that comes from having access to funds whenever needed. This option is perfect for managing larger purchases or unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,156,476, make buying or refinancing simple. We strive to guide you through the process so that owning your dream home becomes a reality.

Refinancing Options

If you're considering refinancing an existing loan or are unsure about your eligibility for one of our products, don't hesitate to contact us at (518) 286-1611. Our knowledgeable staff is here to walk you through your options and help you find the best solution tailored just for you. At Next Step, we are committed to serving our community and helping our members thrive financially. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us at 150 Defreest Dr Troy Ny 12180, or give us a call at (518) 286-1611 to learn more about how we can assist you with our loan offerings!

Unsecured Credit Card Loans

Managing finances effectively is crucial for everyone. We also offer flexible terms on unsecured credit card loans, with a total of $886,586 in loans helping members keep their budgets on track. These cards can help you cover everyday expenses without the stress of high-interest rates.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers for all users. By prioritizing accuracy, LendMesh provides a trustworthy platform for comparing loan options.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the positive experiences many have had when using this tool. Take control of your financial future today. Compare real-time loan offers at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

NEXT STEP FEDERAL CREDIT UNION - Troy, NY

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