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Lower East Side Peoples Federal Credit Union

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Lower East Side Peoples Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lower East Side Peoples Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Lower East Side Peoples Federal Credit Union's Personal Loan Rates are as low as 8.99%. Lower East Side Peoples Federal Credit Union's Credit Card Rates are at 13.00%. MonitorBankRates evaluates the financial stability of Lower East Side Peoples Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.93%. Rates last updated and verified on 09/23/2026.

Lower East Side Peoples Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lower East Side Peoples Federal Credit Union? Share your experience about Lower East Side Peoples Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lower East Side Peoples Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.93%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Lower East Side Peoples Federal Credit Union
LESPFCU MAIN BRANCH

37 AVENUE B
NEW YORK, NY 10009

https://www.lespeoples.org

Lower East Side Peoples Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.49%	Up to 84 Months
Details As low as; Financing: 100% Subject to approval based on credit score. All interest rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.93%
Used Auto Loan	-	-	3.99%	Up to 72 months
Details As low as; Financing: 100% Subject to approval based on credit score. All interest rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.93%

Lower East Side Peoples Federal Credit Union Credit Card Rates

Product	Rate	APR
MASTERCARD Credit Card	-	13.00%
Details As low as; Subject to approval based on credit score. All interest rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.93%
Secured Credit Card	-	13.00%
Details As low as; Subject to approval based on credit score. All interest rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.93%

Lower East Side Peoples Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Lines of Credit (P-LOC) Loan	8.99%
Details Unsecured as low as; The Program you qualify for is determined by your reported credit history and credit score. The daily periodic rate is determined by dividing the APR by 365. The Secured P-LOC requires you to maintain a pledge of 100% of your credit limit in your regular share account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.93%
Personal Loans	10.24%	Up to 60 Months
Details As low as; Subject to approval based on credit score. All interest rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.93%

Lower East Side Peoples Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Loans	-	-	11.00%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.93%
Commercial Real Estate Loan	-	-	5.99%
Details Commercial Property-such as an HDFC building, Condo, or Co-Op-LES People's FCU is here to help with rates as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.93%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Lower East Side Peoples Federal Credit Union’s Texas Ratio fell from 16.51% in Q2 2023 to 9.93% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$90M	9.93%	5.0	A
December 31, 2025	$87M	12.05%	5.0	A
September 30, 2025	$86M	10.37%	5.0	A
June 30, 2025	$89M	14.79%	5.0	A-
March 31, 2025	$90M	27.78%	3.9	C
December 31, 2024	$90M	27.61%	4.0	C
September 30, 2024	$90M	25.19%	4.2	C+
June 30, 2024	$90M	27.01%	4.0	C
March 31, 2024	$88M	24.63%	4.2	C+
December 31, 2023	$88M	20.58%	4.5	B
September 30, 2023	$88M	18.29%	4.7	B+
June 30, 2023	$88M	16.51%	4.9	A-

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lower East Side Peoples Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Lower East Side Peoples Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lower East Side Peoples Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lower East Side Peoples Federal Credit Union

Website https://www.lespeoples.org

Address 37 AVENUE B, NEW YORK, NY 10009

Phone 212-529-8197

Fax 212-529-8368

President Jorge Vasquez

CEO Aissatou Barry-Fall

Full-Time Employees 28

Part-Time Employees 1

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.93%

Return on Assets (ROA)

0.1265%

Return on Equity (ROE)

0.6312%

Non-Performing Loans Ratio (NPL)

3.32%

Total Assets

90,338,697

Total Amount of Shares and Deposits

67,111,401

Total Shares and Deposits < 1 Year

65,747,818

Total Shares and Deposits 1 3 Years

1,363,583

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,283,435

Total Uninsured Shares and Deposits > $250K (F+J)

7,033,435

Total Insured Shares and Deposits > $250K (item 17 less item K)

60,077,966

Total Interest Expense (Sum of items 6 8)

63,125

Share Certificates

182

Number of Accounts for Share Drafts

5,952

Number of Accounts for Regular Shares

9,675

Non Member Deposits

Money Market Shares

222

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,056,487

Total Liabilities

79,239,117

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Lower East Side Peoples Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Lower East Side Peoples Federal Credit Union

How many branches does Lower East Side Peoples Federal Credit Union operate?

Lower East Side Peoples Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Lower East Side Peoples Federal Credit Union?

Yes, to access services at Lower East Side Peoples Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Lower East Side Peoples Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lower East Side Peoples Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lower East Side Peoples Federal Credit Union offer online and mobile banking?

Most modern institutions like Lower East Side Peoples Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lespeoples.org.