Credit union · NCUA insured
Lower East Side People's FCU Credit Card Rates
Lower East Side People's FCU credit card rates start at 13.00% APR. Rates checked October 16, 2026.
How Lower East Side People's FCU’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Lower East Side People's FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Lower East Side People's FCU
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
People's Credit Card
Subject to credit approval. Membership at LES People's FCU required by opening a minimum $75.00 Shared Savings account at or prior to account opening. Available to members applying for the first time or whose previous card was closed for at least 2 years.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR valid for 6 months on purchases only (does not apply to balance transfers or cash advances). Starts from card issue date. Credit limit up to $20,000. |
| Ongoing | 13.00% | None | Standard purchase APR after introductory period or standard purchases; rate based on creditworthiness. |
| Ongoing | 18.00% | None | Non-promotional balance transfer APR. Balance transfer fee is 3% with a maximum of $50.00. |
Sources (4)
All captured Oct 6, 2026
Secured Credit Card
Subject to approval based on credit score. Rates based on creditworthiness and subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | As low as 13.00% APR based on credit score. |
Sources (1)
- lespeoples.org/rates-fees · captured Oct 6, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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.