P-LOC's*
as low as 6.50% APR
Personal Loans*
as low as 8.00% APR
Auto Loans*
as low as 4.00% APR
VISA Gold*
8.00% APR
En Español

Deposit Accounts

Did you know?

We partner with PCEI to offer free tax services to qualifying individuals.

If you live in one of the five boroughs of New York and have a household income less than $38,000 per year, you can also become a member of the LESPFCU through the People’s Center for Economic Independence (PCEI).

Share Draft Checking

Personal Share Draft Checking Accounts (credit unions call them “share draft” accounts) are available to members. Helping you manage your finances wisely and affordably!

Services offered:

  • No monthly fee
  • No minimum balance
  • The “PEOPLES CHECK” Debit Card
  • The “PEOPLES ACCESS” ATM Card
  • 24/7 Telephone Teller
  • 8 free ATM locations in our neighborhood1
  • Nationwide access to a surcharge-free ATM network1
  • Unlimited check transactions

1 Other fees still apply

To open a Personal Share Draft (Checking) Account, you must have:

  • A Personal Share (Savings) Account

Requirements:

  • $25.00 minimum balance in savings at all times
  • You must be at least 18 years old

Additional Features:

Overdraft Protection Line of Credit (OP-LOC): With overdraft protection, your checks (share drafts) are paid, even if you do not have sufficient funds in your Business Share Draft (Checking) Account. You may apply for lines of credit up to $5,000.00. This service is free until you use it. Please see our current Rates for interest rates and fees.

For additional fees, please refer to the Credit Union Fee Schedule PDF.

For more information, please contact Member Services Department at (212) 529-8197 ext. 29. or lespfcu@lespeoples.org.