ESL Federal Credit Union

Overview / Commentary
225 Chestnut St
Rochester, NY 14604

ESL Federal Credit Union is headquartered in Rochester and is the 2nd largest credit union in the state of New York. It is also the 24th largest credit union in the nation. It was established in 1995 and as of June of 2022, it had grown to 871 employees and 393,994 members at 22 locations. ESL Federal Credit Union's savings rates are 4X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

ESL Federal Credit Union is open to: (1) anyone through a membership in the George Eastman Museum ($65 Individual Membership fee) (2) employees and retirees of Eastman Kodak Company in Rochester, NY, Jamieson Film Company in Dallas, TX, and FPC, Inc. in Hollywood, CA or any of one of the various SEGs associated with ESL (a complete list can be found on the credit union’s website). (3) Family and household members, or anyone living, working, attending school or worshiping within the City of Rochester boundaries are also eligible to join.
See current membership details

ESL Is A Great Credit Union

ESL is a great credit union that is constantly adapting to keep up with the latest banking technologies.

Great Credit Union

Posted by: |

I have been banking with ESL for about two years. I switched from one of the large national banks after going through a divorce. It was the first account I had opened "all by myself" in my lifetime. They were wonderful. They explained every detail, and their service was quick and accurate. They also helped me open up accounts for my children and teach them how to use them. I wish I would have known the difference in using a smaller credit union, over the big box bank, maybe years sooner. They are wonderful.

esl is for the people

I opened my accounts when I was 15 and now I am 26. At first I opened a checking account for my first job. It was amazing it was a quick process and never ran into trouble. Two years ago I also, opened a savings account when I started a new job. Setting up direct deposit for the first time was a breeze they took care of it all. They also offered a promotion of one hundred dollars if it was your first time setting this up. When I went into the bank to set up my new account they told me more about the account and I was amazed. They have a mobile app that is very easy to navigate and makes it easy for me to check my accounts. Also, they have very minimal fees which is amazing. I have overdraft coverage so if my balance drops below they automatically move money from my savings to checking to avoid an overdraft.

Best For People And Small Business

Posted by: |

  Best in the Rochester Area. Excellent Customer service also available by phone in early evening.  They don't charge unnecessary fees.  I had children bounce checks and they forgave them the fees. They also share some profits with the customer based on total interest you paid on Mortages and Loans.



Health Grade Components

NCUA #24563
Year Chartered1995
Primary Regulator
Profit Margin
Return on Assets - YTD2.62%
Return on Equity - YTD6.54%
Annual Interest Income$137.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$9.34B$8.52B
LoansQ2 2022vs Q2 2021$3.23B$3.12B
DepositsQ2 2022vs Q2 2021$5.62B$5.42B
Equity CapitalQ2 2022vs Q2 2021$3.72B$1.53B
Loan Loss AllowanceQ2 2022vs Q2 2021$56.3MM$58.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$52.0MM$25.3MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not ESL Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ESL Federal Credit Union Savings Account Rates

2.00%*$1m*-Tiered Savings
OTHER TIERS: 1.00% Up to $50k | 1.30% $50k - $100k | 1.50% $100k - $250k | 1.70% $250k - $1m
0.05%$1-Simple Savings (Daily Dividend Savings Account)
0.05%$1-Holiday Club Savings Account
0.05%$1-Health Savings Account
0.05%$300-Secured Credit Card Savings Account
0.05%--Business Savings Accounts
0.05%$1-First Home Club Savings Account
0.05%$1-First Time HomeBuyer Savings

ESL Federal Credit Union Money Market Rates

0.80%*$250k*-Premier Money Maker Account
OTHER TIERS: 0.25% $2.5k - $10k | 0.30% $10k - $25k | 0.50% $25k - $50k | 0.65% $50k - $250k
0.60%*$50k*-IRA Money Maker Account
OTHER TIERS: 0.10% Up to $10k | 0.30% $10k - $25k | 0.50% $25k - $50k
0.60%*$50k*-Money Maker Account
OTHER TIERS: 0.10% Up to $10k | 0.30% $10k - $25k | 0.50% $25k - $50k
0.40%*$1m*-Business Money Maker Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k | 0.30% $250k - $500k | 0.35% $500k - $1m

ESL Federal Credit Union Checking Account Rates

0.40%*$250k*-IOLA Checking Account
OTHER TIERS: 0.10% Up to $50k | 0.25% $50k - $250k
0.10%*$100k*-Business Premier Checking
OTHER TIERS: 0.05% $10k - $100k
0.05%$1-Premier Checking

ESL Federal Credit Union CD Rates

2.25%$100k-330 Day Jumbo Share Certificate
2.00%$500-11 Month Share Certificate
2.00%$500-Business 11 Month Share Certificate
0.40%$500-108 Month Share Certificate
0.40%$500-120 Month Share Certificate
0.40%$500-Business 108 Month Certificate
0.40%$500-Business 120 Month Certificate
0.35%$500-96 Month Share Certificate
0.35%$500-Business 96 Month Certificate
0.30%$500-84 Month Share Certificate
0.30%$500-Business 84 Month Certificate
0.25%$500-72 Month Share Certificate
0.25%$500-Business 72 Month Certificate
0.20%$500-60 Month Call Certificate
0.20%$100k-36 Month Jumbo Share Certificate
0.20%$100k-48 Month Jumbo Share Certificate
0.20%$100k-60 Month Jumbo Share Certificate
0.15%$500-24 Month Call Certificate
0.15%$500-48 Month Share Certificate
0.15%$500-60 Month Share Certificate
0.15%$100k-90 Day Jumbo Share Certificate
0.15%$100k-180 Day Jumbo Share Certificate
0.15%$100k-360 Day Jumbo Share Certificate
0.15%$100k-24 Month Jumbo Share Certificate
0.15%$500-Business 48 Month Certificate
0.15%$500-Business 60 Month Certificate
0.15%$500-36 Month Share Certificate
0.15%$250k-Business 36 Month Share Certificate
0.15%$100k-18 Month Jumbo Share Certificate
0.12%$500-12 Month Share Certificate
0.12%$500-18 Month Share Certificate
0.12%$500-24 Month Share Certificate
0.12%$500-Business 12 Month Certificate
0.12%$500-Business 18 Month Certificate
0.12%$500-Business 24 Month Certificate
0.10%$500-3 Month Share Certificate
0.10%$500-6 Month Share Certificate
0.10%$500-9 Month Share Certificate
0.10%$100k-30 Day Jumbo Share Certificate
0.10%$100k-60 Day Jumbo Share Certificate
0.10%$500-Business 3 Month Certificate
0.10%$500-Business 6 Month Certificate
0.05%$1k-31 Day Share Certificate
0.05%$5k-Business 7 Day Certificate
0.05%$5k-Business 14 Day Certificate
0.05%$5k-Business 21 Day Certificate
0.05%$5k-Business 31 Day Certificate
0.05%$500-Business 60 Day Certificate

ESL Federal Credit Union IRA Rates

2.25%$100k-330 Day Jumbo IRA Certificate
2.00%$100-11 Month IRA Certificate
0.40%$100-108 Month IRA Certificate
0.40%$100-120 Month IRA Certificate
0.35%$100-96 Month IRA Certificate
0.30%$100-84 Month IRA Certificate
0.25%$100-72 Month IRA Certificate
0.20%$100k-36 Month Jumbo IRA Certificate
0.20%$100k-48 Month Jumbo IRA Certificate
0.20%$100k-60 Month Jumbo IRA Certificate
0.15%$100k-90 Day Jumbo IRA Certificate
0.15%$100k-360 Day Jumbo IRA Certificate
0.15%$100k-24 Month Jumbo IRA Certificate
0.15%$100-48 Month IRA Certificate
0.15%$100-60 Month IRA Certificate
0.15%$100-36 Month IRA Certificate
0.15%$100-180 Day Jumbo IRA Certificate
0.15%$100k-18 Month Jumbo IRA Certificate
0.12%$100-12 Month IRA Certificate
0.12%$100-24 Month IRA Certificate
0.12%$100-18 Month IRA Certificate
0.10%$100k-30 Day Jumbo IRA Certificate
0.10%$100k-60 Day Jumbo IRA Certificate
0.10%$100-9 Month IRA Certificate
0.10%$100-6 Month IRA Certificate
0.05%$100-31 Day IRA Certificate


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