Credit union · NCUA insured
NextStep Federal Credit Union Auto Loan Rates
Top CarrotNextStep Federal Credit Union auto loans start at 3.79% APR for a new vehicle and 4.79% for a used one. Rates checked October 16, 2026.
How NextStep Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where NextStep Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Discount
- None included
New Vehicle Loans
Lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
Broadview Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- None included
NextStep Federal Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew3.79%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NextStep Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle Loans
Available for cars, trucks, and SUVs model years 2021 to the present. Membership eligibility requires living, working, worshipping, or attending school in Albany, Columbia, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, or Washington County in New York State, or being a family member of a current member.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.79% | For model years 2021 and newer. Rate quoted is the lowest available rate and will vary based on creditworthiness and term. No down payment required. Finance up to 110% of vehicle price. |
Used Vehicle Loans
Membership eligibility requires living, working, worshipping, or attending school in Albany, Columbia, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, or Washington County in New York State, or being a family member of a current member.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.79% | For model years 2016 - 2020. Rate quoted is the lowest available rate and will vary based on creditworthiness and term. No down payment required. Finance up to 110% of vehicle price. |
| up to 84 months | 7.29% | For model years 2015 and older. Rate quoted is the lowest available rate and will vary based on creditworthiness and term. No down payment required. Finance up to 110% of vehicle price. |
Who can join NextStep Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.