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Credit union · NCUA insured

NextStep Federal Credit Union CD Rates

Top Carrot, Carrot Score 88Top Carrot

NextStep Federal Credit Union’s best CD rate is 3.92% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.

How NextStep Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Albany, NY, where NextStep Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 88

    This credit union’s best

    NextStep Federal Credit Union

    3.92%APY

    Term
    48 months
    Requires
    None
    Minimum
    —
    Earns on $10,000
    $1,663

    Certificate Accounts

  • Top Carrot, Carrot Score 87

    Top rate

    Broadview Federal Credit Union

    4.40%APY

    Term
    7 months
    Requires
    Another account
    Minimum
    $500
    Earns on $10,000
    $254

    Broadview Federal Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-highest rate

    Sunmark Credit Union

    4.25%APY

    Term
    6 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $210

    Sunmark Credit Union rates

Compare CD rates near you →

NextStep Federal Credit Union CD score

84

CD score

Higher than 67% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.61%
  • 9–15 months9–15 mo3.00%
  • 16–30 months16–30 mo3.82%
  • 31–60 months31–60 mo3.92%
  • QualifiedQualified3.92%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where NextStep Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

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.

Visit institution website ↗Branches and institution details
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