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Credit union · NCUA insured

Lower East Side People's FCU CD Rates

Lower East Side People's FCU’s best CD rate is 2.00% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.

How Lower East Side People's FCU’s CD rates compare

Compared with banks and credit unions near New York, NY-NJ, where Lower East Side People's FCU has the most branches. $10,000, best rate first.

  • This credit union’s best

    Lower East Side People's FCU

    2.00%APY

    Term
    36 months
    Minimum
    $500
    Earns on $10,000
    $612

    Share Certificate

  • Top rate

    Liberty Bank of New Jersey

    5.00%APY

    Term
    4 months
    Minimum
    $1,000
    Earns on $10,000
    $164

    Liberty Bank of New Jersey rates

  • Top Carrot, Carrot Score 88

    2nd-highest rate

    Palisades Credit Union

    5.00%APY

    Term
    11 months
    Minimum
    $500
    Earns on $10,000
    $457

    Palisades Credit Union rates

Compare CD rates near you →

Lower East Side People's FCU CD score

62

CD score

Higher than 5% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo0.50%
  • 9–15 months9–15 mo0.75%
  • 16–30 months16–30 mo1.00%
  • 31–60 months31–60 mo2.00%
  • QualifiedQualified2.00%

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.

How the score works →

Where Lower East Side People's FCU 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 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This may be incomplete or out of date, so check with the credit union before you apply.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.

Check membership requirements ↗Branches and institution details
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