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 September of 2020, it had grown to 801 employees and 374,041 members at 21 locations. ESL Federal Credit Union 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
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.
DO. NOT BANK WITH THEM STAY AWAY!
Hello I'm a victim of this shady bank and yes there cold hearted people well some. my friend had this bank before and for some reason he had a negative forcing beyond his will to payback that the bank suppose to write off and give a warning The fraud team is a JOKE it's like they do not care I prefer any other banks that will NOT THREATEN YOU! yes you hear me THREATEN you if you don't pay for something that's not your fault . They want to now destroy his credit score if he do not pay something that's not his responsibility at all! my best option stick with banks that are the best and that have very good Trained Tellers don't waste your time here upgrade to the best banks or similar .
Data as of Q3 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24563 |
| Year Chartered | 1995 |
| Employees | 801 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.21% |
| Return on Equity - YTD | 6.62% |
| Annual Interest Income | $199.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2020vs Q3 2019 | $8.03B$6.83B |
| Loans | Q3 2020vs Q3 2019 | $3.11B$3.03B |
| Deposits | Q3 2020vs Q3 2019 | $4.61B$3.68B |
| Equity Capital | Q3 2020vs Q3 2019 | $1.40B$1.25B |
| Loan Loss Allowance | Q3 2020vs Q3 2019 | $54.6MM$47.1MM |
| Unbacked Noncurrent Loans | Q3 2020vs Q3 2019 | $34.3MM$77.6MM |
| Real Estate Owned | Q3 2020vs Q3 2019 | $18.00K$0 |
