ESL Federal Credit Union

Overview / Commentary
225 Chestnut St
Rochester, NY 14604

ESL Federal Credit Union is headquartered in Rochester and is the 3rd 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 December of 2019, it had grown to 769 employees and 379,545 members at 20 locations. ESL Federal Credit Union's savings rates are 35% higher than the national average, and it has 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

Great Credit Union

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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.

Good customer service.

I've been banking with ESL for a little over 5 years now and although it has some negatives which all banks do for the most part I enjoy the customer service I have always been given. If I ever have a question they are more than happy to answer and if there is a problem with my account they are right on top of making sure the issue is fixed fast. On top of that they are very friendly and I feel treat me with a great deal of respect.

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.

Great local credit union

ESL was the first bank I ever used to open up a checking and savings account. I have been with them fr almost 5 years now and have no complaints. Every time I have had a problem their customer service has been wonderful. For example one time I used the check depositing feature on the app and accidentally submitted $100 instead of the $1000 that was really on the check. I panicked and called customer. They were very kind and fixed the problem immediately. ESL has things the big banks have such as an app in the apple app store and online check depositing. They also have a great owners dividend on savings accounts. So, in January I receive my owners dividend which is a n ice amount of money. This company excels above some of the national banks that I have used. Their customer service and advanced technology is why I will stick with this bank for a very long time.



Health Grade Components

NCUA #24563
Year Chartered1995
Primary Regulator
Profit Margin
Return on Assets - YTD1.52%
Return on Equity - YTD8.35%
Annual Interest Income$287.9MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$6.81B$6.20B
LoansQ4 2019vs Q4 2018$3.00B$2.94B
DepositsQ4 2019vs Q4 2018$3.76B$3.49B
Equity CapitalQ4 2019vs Q4 2018$1.24B$1.07B
Loan Loss AllowanceQ4 2019vs Q4 2018$47.0MM$38.9MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$61.6MM$20.6MM
Real Estate OwnedQ4 2019vs Q4 2018$65.00K$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

0.70%*$1m*-Tiered Savings
OTHER TIERS: 0.30% Up to $50k | 0.40% $50k - $100k | 0.50% $100k - $250k | 0.60% $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

ESL Federal Credit Union Money Market Rates

0.35%*$250k*-Business Money Maker Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.25% $50k - $250k
0.25%*$50k*-Premier Money Maker Account
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k
0.20%*$50k*-IRA Money Maker Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.20%*$50k*-Money Maker Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k

ESL Federal Credit Union Checking Account Rates

0.50%*$250k*-IOLA Checking Account
OTHER TIERS: 0.15% Up to $50k | 0.25% $50k - $250k
0.20%*$100k*-Business Premier Checking
OTHER TIERS: 0.15% $10k - $100k
0.05%$1-Premier Checking

ESL Federal Credit Union CD Rates

0.70%$500-4 Month Share Certificate
0.70%$500-Business 4 Month Certificate
0.65%$100k-180 Day Jumbo Share Certificate
0.50%$500-108 Month Share Certificate
0.50%$500-120 Month Share Certificate
0.50%$500-Business 108 Month Certificate
0.50%$500-Business 120 Month Certificate
0.45%$500-60 Month Call Certificate
0.45%$500-84 Month Share Certificate
0.45%$500-96 Month Share Certificate
0.45%$100k-360 Day Jumbo Share Certificate
0.45%$500-Business 84 Month Certificate
0.45%$500-Business 96 Month Certificate
0.40%$500-12 Month Share Certificate
0.40%$500-12 Month Tax Deferred Share Certificate
0.40%$500-24 Month Call Certificate
0.40%$500-60 Month Share Certificate
0.40%$500-72 Month Share Certificate
0.40%$100k-24 Month Jumbo Share Certificate
0.40%$100k-36 Month Jumbo Share Certificate
0.40%$100k-48 Month Jumbo Share Certificate
0.40%$100k-60 Month Jumbo Share Certificate
0.40%$500-Business 12 Month Certificate
0.40%$500-Business 60 Month Certificate
0.40%$500-Business 72 Month Certificate
0.40%$100k-18 Month Jumbo Share Certificate
0.35%$500-18 Month Share Certificate
0.35%$500-24 Month Share Certificate
0.35%$500-48 Month Share Certificate
0.35%$500-Business 18 Month Certificate
0.35%$500-Business 24 Month Certificate
0.35%$500-Business 48 Month Certificate
0.35%$500-36 Month Share Certificate
0.35%$250k-Business 36 Month Share Certificate
0.30%$500-9 Month Share Certificate
0.25%$100k-90 Day Jumbo Share Certificate
0.20%$500-6 Month Share Certificate
0.20%$500-6 Month Variable Share Certificate
0.20%$100k-60 Day Jumbo Share Certificate
0.20%$500-Business 6 Month Certificate
0.15%$100k-30 Day Jumbo Share Certificate
0.10%$500-3 Month Share Certificate
0.10%$500-Business 3 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

0.70%$100-4 Month IRA Certificate
0.65%$100-180 Day Jumbo IRA Certificate
0.55%$100-18 Month Variable IRA Certificate
0.50%$100-108 Month IRA Certificate
0.50%$100-120 Month IRA Certificate
0.45%$100k-360 Day Jumbo IRA Certificate
0.45%$100-84 Month IRA Certificate
0.45%$100-96 Month IRA Certificate
0.40%$100-12 Month IRA Certificate
0.40%$100k-24 Month Jumbo IRA Certificate
0.40%$100k-36 Month Jumbo IRA Certificate
0.40%$100k-48 Month Jumbo IRA Certificate
0.40%$100k-60 Month Jumbo IRA Certificate
0.40%$100-60 Month IRA Certificate
0.40%$100-72 Month IRA Certificate
0.40%$100k-18 Month Jumbo IRA Certificate
0.35%$100-24 Month IRA Certificate
0.35%$100-48 Month IRA Certificate
0.35%$100-18 Month IRA Certificate
0.35%$100-36 Month IRA Certificate
0.30%$100-9 Month IRA Certificate
0.25%$100k-90 Day Jumbo IRA Certificate
0.20%$100k-60 Day Jumbo IRA Certificate
0.20%$100-6 Month Variable IRA Certificate
0.20%$100-6 Month IRA Certificate
0.15%$100k-30 Day Jumbo IRA Certificate
0.05%$100-31 Day IRA Certificate


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