In this November Issue: ▪ Our People's Holiday Loan is still here!
▪ International Credit Union Day recap
▪ Saving and Credit Builder Loan
▪ Learn about our current Loans
▪ Holiday Club 2023-2024
▪ Join us during our Extended Hours!
▪ Community Events
| ▪ | Our People's Holiday Loan is still here! | | ▪ | International Credit Union Day recap | | ▪ | Saving and Credit Builder Loan | | ▪ | Learn about our current Loans | | ▪ | Join us during our Extended Hours! | | Our People's Holiday Loan is here with affordable rates and fair terms to help you pay back in a short period of time. With this offer you can have a stress-free holiday season for you and your family! This Loan is here until December. Take advantage of People's Holiday Loan up to $5,000 with rates as low as 8.99% APR* for 12 months! | For more information about our Holiday Loans, e-mail us at lespfcu@lespfcu.org, call us at 212-529-8197, or visit us at www.lespeoples.org. APR = Annual Percentage Rate. APRs for this promotion are 8.99%, 9.99%, and 10.99%. A penalty rate of 18% APR will be imposed in the event of delinquency or non-payments on the loan over 90 days. | International Credit Union Day at LES People's FCU We extend our heartfelt gratitude for LES People's members and their participation in commemorating International Credit Union Day! This significant occasion marks the 75-year journey of our global movement dedicated to People Helping People, and within our very own LES Peoples FCU. Together, we embark on a path of continued growth and expansion, with the shared goal of extending our services to even more incredible members like you. Join us in this exciting journey as we work hand in hand to build a brighter financial future for all. Remember the celebration in pictures here. | Savings and Credit Builder Loan LES PEOPLE’S Savings and Credit Builder Loans are designed to help members build credit without the hassle of having to deposit a lump sum with us.
Instead, we lend to you for you to save in a Share Certificate. In other words, save and build credit at the same time. Features of the Saving and Credit Builder Loan: ▪ Minimum amount to borrow is $500.00
▪ Very low APR
▪ $0.00 Application Fee
▪ Loan terms up to 36 months
▪ Automatic payment service is available
▪ Instant approval
| ▪ | Minimum amount to borrow is $500.00 | | ▪ | Loan terms up to 36 months | | ▪ | Automatic payment service is available | Once your application is approved, funds will be disbursed and put automatically into a Share Certificate under your name. Build credit nationally by making monthly payments that you can afford and when the loan is paid off, you will have access to your Share Certificate funds, the interest earned, and have built credit history. | For more information about our Savings and Credit Builder Loan, e-mail us at lespfcu@lespfcu.org, call us at 212-529-8197, or visit us at www.lespeoples.org. | | Learn about our Current Loans |  LES People's Credit Card |  LES People's Mortgage | | | Holiday Account at LES People's FCU Did you know that with a Holiday Account, members can save for holiday expenses and earn more money with higher dividends and more flexibility than a Share Certificate. This account is secured through the National Credit Union Association (NCUA). Open a Holiday Club anytime with a minimum deposit of $15.00. The maximum amount to earn dividends is $10,000.00. Dividends on this account are paid at close of business on October 31, of every year. Funds become available on November 1, and are transferred to your regular savings account. Ready to Start Savings for the Next Holiday Season? | For more information about our Holiday Account, e-mail us at lespfcu@lespfcu.org, call us at 212-529-8197, or visit us at www.lespeoples.org. | Cash-Less Extended Hours! We are providing cash-less extended hours of operations at our Lower East Side and East Harlem branches.
Our Upcoming Days are: @East Harlem Branch ▪ Wednesday, November 1, 4pm–6pm
▪ Wednesday, November 8, 4pm–6pm
▪ Wednesday, November 15, 4pm–6pm
▪ Wednesday, November 22, 4pm–6pm
| ▪ | Wednesday, November 1, 4pm–6pm | | ▪ | Wednesday, November 8, 4pm–6pm | | ▪ | Wednesday, November 15, 4pm–6pm | | ▪ | Wednesday, November 22, 4pm–6pm | @Lower East Side Branch ▪ Saturday, November 4, 10am–1pm
▪ Saturday, November 18, 10am–1pm
▪ Saturday, November 25, 10am–1pm
| ▪ | Saturday, November 4, 10am–1pm | | ▪ | Saturday, November 18, 10am–1pm | | ▪ | Saturday, November 25, 10am–1pm | During our Cash-less extended hours, you can: ▪ Become a member, open a savings account, apply for a loan, obtain new debit card instantly, etc.
▪ Learn more about membership benefits, credit access, and digital banking options.
▪ Speak to a credit union representative who can help you directly or refer you to the right people.
| ▪ | Become a member, open a savings account, apply for a loan, obtain new debit card instantly, etc. | | ▪ | Learn more about membership benefits, credit access, and digital banking options. | | ▪ | Speak to a credit union representative who can help you directly or refer you to the right people. | Appointments are not mandatory but encouraged, schedule an appointment here. For more information about our Extended Hours, e-mail us at lespfcu@lespfcu.org, call us at 212-529-8197, or visit us at www.lespeoples.org.. |  LES People's at Small Business Financing Panel |  One of our member celebrating ICUD at our Lower East Side Branch | | |  Our team at our East Harlem Branch ready to celebrate ICUD! |  The North Shore Team celebrating with one of our members ICUD | | |  LES People's Team together for Employee appreciation day |  LES People's at the Mexico Embassy for the SNEF | | | |
