The Lower East Side People's FCU is a business line of credit from Lower East Side People's FCU. The ongoing APR is Interest rates are adjusted on a quarterly basis and initial rates are between Prime + 4% and Prime + 12%, depending on the overall qualifications of the borrower. Typical credit limit: Up to $50,000.00. Loan terms: Up to 7 Years (loan terms can go up to 7 years).