Lower East Side People's Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

lespeoples.org

212-529-8197

37 AVENUE B
New York, NY 10009-7441

Lower East Side People's Federal Credit Union is headquartered in NEW YORK and is the 97^th largest credit union in the state of New York. It is also the 1,934^th largest credit union in the nation. It was established in 1986 and as of March of 2025, it had grown to 27 employees and 9,193 members at 3 locations. Lower East Side People's Federal Credit Union's money market rates are 14% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Lower East Side People's Federal Credit Union is open to residents of New York City, who earn less than $48,500 annually and to those who live, work, worship, volunteer or attend school in select areas of the Lower East Side of Manhattan, Central Harlem, and East Harlem.
See current membership details

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Health

C+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lower East Side People's Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	24232
Year Chartered	1986
Employees	27
Primary Regulator

Profit Margin
Return on Assets - YTD	4.5%
Return on Equity - YTD	37.41%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$89.8MM$88MM
Loans	Q1 2025vs Q1 2024	$55.4MM$56.5MM
Deposits	Q1 2025vs Q1 2024	$67MM$65.6MM
Equity Capital	Q1 2025vs Q1 2024	$10.8MM$9.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$957K$369K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$5.3MM$4.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$404K$452K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD

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Lower East Side People's Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$15	-	Holiday Account

Lower East Side People's Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$1k	-	Money Market

Lower East Side People's Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$0	-	36 Month CD
1.00%	$0	-	24 Month CD
0.75%	$0	-	12 Month CD
0.50%	$0	-	6 Month CD

Locations

Lower East Side People's Federal Credit Union Locations
Branch Office	37 AVENUE B	NEW YORK, NY 10009
Branch Office	2 St Pauls Ave	Staten Island, NY 10301-3212
Branch Office	2285 2nd Ave	New York, NY 10035

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