NextStep is the Capital Region’s personal-sized credit union. Friendly. Easy to deal with. Convenient local branches … PLUS access to more than 5,300 shared branches and 30,000 surcharge-free ATMs in the Co-op network. Open your accounts here. Bank from anywhere. And keep us with you wherever you go. NextStep is a credit union. Like a bank, but better. We offer a select set of the best checking, savings and loan products, each with clearly defined features and benefits.