Credit union · NCUA insured
Lower East Side People's FCU Auto Loan Rates
Lower East Side People's FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Lower East Side People's FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Lower East Side People's FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lower East Side People's FCU
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Lower East Side People's FCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lower East Side People's FCU 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 Auto Loan
Membership at LES People's FCU is required by opening a Shared Savings account at or prior to loan opening. Subject to approval based on credit score. 100% financing available. ITIN holders welcome. Limited-time 0.25% APR discount for Electric Vehicle (EV) purchases.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.49% | As low as 3.49% APR. 100% financing. Up to 84 months to payback. Subject to approval based on credit score. |
| up to 84 months | 4.99% | Rates as low as 4.99% APR. Up to 84 months to pay on new vehicles, finance up to $65,000. Limited time extra 0.25% APR off on Electric Vehicle (EV) purchases. |
Used Auto Loan
Membership at LES People's FCU is required by opening a Shared Savings account at or prior to loan opening. Subject to approval based on credit score. 100% financing available. ITIN holders welcome.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | As low as 3.99% APR. 100% financing. Up to 72 months to payback. Subject to approval based on credit score. |
| up to 72 months | 4.99% | Rates as low as 4.99% APR. Up to 72 months on pre-owned vehicles, finance up to $50,000. |
Who can join Lower East Side People's FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work within CDFI investment areas in New York City are eligible to join.
- Individuals who live, work, volunteer, worship, attend school, or belong to an organization located in Lower East Side, East Harlem, Central Harlem, the Bronx, or North Shore are eligible to join.
Employers and groups
- Any organization or business located in Lower East Side, East Harlem, Central Harlem, the Bronx, or North Shore is eligible to join.
- Individuals affiliated with one of the credit union's Select Partner Groups in NYC are eligible to join.
Family and household
- Family members of existing members are eligible to join.
Other ways
- Anyone who lives in an HDFC Co-op building is eligible to join.
1 more way to join
Other ways
- NYC residents who earn less than $50,000 annually are eligible to join (proof of income required).
Cost to join
- An annual account service fee of $5.00 is charged every July 31st for personal and business accounts.
- A minimum share deposit of $25.00 in a Share Account is required to maintain membership in the credit union.
Membership information collected October 5, 2026.