Credit union · NCUA insured
NextStep Federal Credit Union Savings Rates
Top CarrotNextStep Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How NextStep Federal Credit Union’s savings 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.
This credit union’s best
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
Kasasa Saver
2nd-highest rate
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
3rd-highest rate
NY Bravest Federal Credit Union
3.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $330
NextStep Federal Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.40%
- QualifiedQualified4.00%
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.
Where NextStep Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Kasasa Saver
Up to 4.00%APY
Links to Kasasa Cash or Kasasa Cash Back checking account. Requires meeting checking qualifications each monthly qualification cycle (at least 12 debit card purchases, online banking login, and e-statements) to earn higher APY; otherwise earns 0.05% APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifications met in linked Kasasa Cash or Kasasa Cash Back account. | 4.00% | $400 | Qualifications met in linked Kasasa Cash or Kasasa Cash Back account. |
| Any balanceEarned when qualifications in linked Kasasa Cash or Kasasa Cash Back account are not met. | 0.05% | $5 | Earned when qualifications in linked Kasasa Cash or Kasasa Cash Back account are not met. |
| $25,000 and upQualifications met in linked Kasasa Cash or Kasasa Cash Back account; APY ranges from 4.00% to 0.25% (or 1.00% depending on balance) on balances over $25,000. | 0.25% | — | Qualifications met in linked Kasasa Cash or Kasasa Cash Back account; APY ranges from 4.00% to 0.25% (or 1.00% depending on balance) on balances over $25,000. |
Sources (5)
- nextstepfcu.org
- nextstepfcu.org/kasasa-saver
- nextstepfcu.org/nextstep-savings-accounts
- nextstepfcu.org/rates
- nextstepfcu.org/checking-savings
All captured Sep 17, 2026
Money Market Savings
0.25%APY
Maintaining an average monthly balance of $2,000 and limiting withdrawals to 6 or less a month. Interest will not be earned on balances that fall below the minimum $2,000.00. Maximum six (6) withdrawals or transfers per statement month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 0.20% | — |
| $10,000 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.30% | — |
| $50,000 – $150,000 | 0.40% | — |
| $150,000 and up | 0.50% | — |
Sources (3)
All captured Sep 17, 2026
Regular Share Account
0.05%APY
Standard share savings account. Minimum balance of $5.00 required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Secured Share Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- nextstepfcu.org/rates · captured Sep 17, 2026
Special-purpose accounts
Traditional & Roth IRA Savings
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.25% | — |
| $2,500 – $10,000 | 0.30% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 and up | 0.60% | — |
Sources (1)
- nextstepfcu.org/rates · captured Sep 17, 2026
Vacation, Holiday, Summer Share Accounts
0.50%APY
Dedicated savings accounts associated with Standard Share Account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Educational IRA Share Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- nextstepfcu.org/rates · captured Sep 17, 2026
Who can join NextStep Federal Credit Union
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