Credit union · NCUA insured
Lower East Side People's FCU Savings Rates
Lower East Side People's FCU’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Lower East Side People's FCU’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Lower East Side People's FCU savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Lower East Side People's FCU 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.
Money Market Account
0.50%APY
Dividends compounded daily. Variable interest rate. Limit to six withdrawals per month, $15.00 penalty after.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upNo monthly fee if the Min balance ($1,000.00) is maintained; otherwise $10.00. Average daily balance required to earn interest is $1,000.00.$1,000 and up | 0.50% | $50 | No monthly fee if the Min balance ($1,000.00) is maintained; otherwise $10.00. Average daily balance required to earn interest is $1,000.00. |
Savings Account
0.00%APY
Share Account represents membership in the credit union. Monthly maintenance fee of $3.00 is waived if the minimum balance of $75.00 is maintained, or if the member is younger than 18 or older than 65.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $75 and upDoes not earn dividends. Account servicing fee of $5.00 is charged annually on July 31.$75 and up | 0.00% | $0 | Does not earn dividends. Account servicing fee of $5.00 is charged annually on July 31. |
Special-purpose accounts
Holiday Account
1.00%APY · 1 term
Fixed at 12 months (November to October). Rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
Sources (1)
- lespeoples.org/rates-fees · captured Sep 17, 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.