Featured Savings Rates
Featured Accounts

ESL Federal Credit Union

Popular Accounts at this Credit Union

0.55%5-year CD60 Month Share Certificate
0.20%1-year CD12 Month Tax Deferred Share Certificate
0.05%SavingsSecured Credit Card Savings Account

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 20th largest credit union in the nation. It was established in 1995 and as of September of 2016, it had grown to 583 employees and 334,182 members at 20 locations. ESL Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to anyone through a membership in the George Eastman Museum ($55 membership fee). Membership is also open to employees and retirees of Eastman Kodak Company (in Rochester, NY), General Electric Capital Corporation, Integrated Systems Solutions Corporation, Marriott Food Services, Northern Telecom and to over 80 Select Employer Groups.
See current membership details

Reviews (8)

Great Credit Union

Posted by: LizzyJo | Jun 5, 2014

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.

Best For People And Small Business

Posted by: jafer | Jul 12, 2011

  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.

The Best Credit Union To Deal With.

Posted by: Anonymous | Mar 6, 2011

I have been a customer of ESL since the mid-1980s. In that time, I have had checking accounts, savings accounts, mortgages, CDs, and lots of interactions with the staff as well as the website. I regularly pay all my bills using the internet bill pay. ESL does a nice job of updating the site and making it even better from year to year.

At the same time, I have had to deal with the banks of family members to manage their accounts, so I have a point of comparison. In a nutshell there is no comparison. ESL is great.

Hands down ESL continues to impress me. They also, in our area of Rochester NY, have many branches and ATMs, so when I need cash, I don't have to pay to get it. I have convinced many people to switch to ESL and they have thanked me.

The members reward benefit is always a nice surprise this time of year as well. It comes just as the holiday bills come in and eases the way into the new year.

I Can Not Belive How I Was Treated

Posted by: jackc | Oct 1, 2014

I have been with ESL Bank since I was 18 and I applied for a loan when I was 20 and was denied. (That's cool I expected that I was young). Now I'm 24 and I applied for a loan and a credit card to "HELP BUILD MY CREDIT " and I was denied again. How do they expect me to ever build my credit??? But the sad part about it is they weren't even bold enough to call me and tell me I wasn't approved they gave me the run around. When I called they talked down to me and talked in babel. I will not have any accounts there as of next week!!! Thanks for nothing !!! I am done with you ESL. They love to give money away in the community but for me the member, I get the shaft and nothing. No loan and no Visa. Their "we answer to you" is a joke, should be "once we have your money, its ours" to do as we please with. I need to find a real credit union, not one in name only! They make me sick.

Beware Of This Credit Union!!

Posted by: Ralph111 | Sep 14, 2014

Some representatives in Greece branch and Main office downtown were not professional, lack sophistication and common sense.

The managers did not return my calls and an assistant manager told me that her manager was in a meeting with all managers. In other words, there was no one to address my concerns and help me resolve an issue which arose from these personnel. The assistant manager talked to me in baby talk.

I am very disappointed and it is time to say goodbye to ESL! I am appalled by the treatment which demonstrates to me that they have way too many people doing absolutely nothing. It is good to employ people, but maybe they should choose better people. Their new greeting asks you how they can make your day better? Stay away... Summit FCU has great service and I will be moving there.

Its Banking Only Worse

Posted by: BECKER | Sep 4, 2014

ESL truly does not care about their customers at all. If I could I would give this bank less then one star. My whole family has this bank and when I call customer support because I see problem on my online banking, they are not ready to help at all, they are ignoring what I'm telling to them and after I'm done talking they just continue whit what ever they were learn to say when somebody call. On top of that they were arrogant, mean and were trying to make me feel like I'm idiot the whole time I was on the phone with them. It would truly be better if ESL would not offer customer support at all than offering such a bad one.

I talked to two people when I call them. First it was a lady that was very mean and was cutting me off when I was talking. When I asked her to talk to someone else it took some time to talk to other person. When they pick up it was clear that lady I talked to told him what was going on because when I explain him her unhelpful and mean behavior he did not even apologize or react, actually he was just quiet. Very unprofessional. If I recall correct he said he was manager of customer service. I can't say I'm surprise that customer service is so bad, after talking to him.

Well after one hour of calling them and getting no help at all I decided to send them message. I explained what happened and asked them if they can help me. I got no respond at all. I guess ESL Bank is incapable of apologizing to their customers, but they are very well trained in ignoring them.

I was always planing to stay with ESL because as I mentioned my whole family is doing banking with them, but they leave me no choice but to search for new bank. And the sad thing here is, that when I mentioned to them I will have to leave ESL because I got no help from them, they still did not respond to me...because I guess they do not care at all.

Not The Same ESL I Used To Know

Posted by: KathyAm | Jul 15, 2014

I've been with this bank for many moons and my account number is one of the old Kodak numbers. As of late -- last 2 or 3 years -- I've noticed a change in approach and attitude towards customers. Previously, whenever I asked for help, ESL was right there for me. Lately I have asked them to work with me while I am going through a difficult financial period, and the response I got from the customer service rep was, "I'll send you some register books to keep track of your account." Let me add that the tone was condescending. They just do not care anymore. I do not even know the employees anymore. Its churn and burn. They are gone in 6 months or less.

Thanks but no thanks, ESL.

Not A Nice Place To Bank Anymore

Posted by: KeithR | Jul 13, 2014

This credit Union only cares about image in the community. Service and customer satification is second. Their rates are not good, employee turnover high in branches, very rude an pushey tellers trying to sell me something, long lines cause the branches are not staffed well and no personal touch. Dave Feidler the CEO is out passsing money out all over town and trying to be a media star while his credit union is falling apart. Not sure how anyone can say this is a great place to bank. It was a nice place top bank when I worked for Kodak. In the last 10 years it has become horrible. This Credit Union is going the way of Kodak because of the leadership.


Health Grade Components

NCUA #24563
Year Chartered1995
Primary Regulator
Profit Margin
Return on Assets - YTD1.61%
Return on Equity - YTD10.29%
Annual Interest Income$143.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$5.97B$5.54B
LoansQ3 2016vs Q3 2015$2.49B$2.42B
DepositsQ3 2016vs Q3 2015$3.15B$2.96B
Equity CapitalQ3 2016vs Q3 2015$928.0MM$818.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$31.7MM$31.6MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$17.8MM$16.1MM
Real Estate OwnedQ3 2016vs Q3 2015$513.00K$165.00K
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* 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

0.05%--Simple Savings (Daily Dividend Savings Account)
0.05%--Holiday Club Savings Account
0.05%--Health Savings Account
0.05%$300-Secured Credit Card Savings Account
0.05%--Business Savings Accounts
0.05%--First Home Club Savings Account

ESL Federal Credit Union Money Market Rates

0.25%*$50k*-IRA Money Maker Account
OTHER TIERS: 0.05% Up to $10k | 0.08% $10k - $25k | 0.20% $25k - $50k
0.25%*$50k*-Money Maker Account
OTHER TIERS: 0.05% Up to $10k | 0.08% $10k - $25k | 0.20% $25k - $50k
0.25%*$50k*-Premier Money Maker Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k
0.25%*$250k*-Business Money Maker Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.15% $50k - $250k

ESL Federal Credit Union Checking Account Rates

0.10%*$100k*-Business Premier Checking
OTHER TIERS: 0.05% $10k - $100k
0.05%--Premier Checking

ESL Federal Credit Union CD Rates

1.10%$100k-60 Month Jumbo Share Certificate
0.95%$500-60 Month Call Certificate
0.85%$100k-48 Month Jumbo Share Certificate
0.65%$100k-36 Month Jumbo Share Certificate
0.55%$500-24 Month Call Certificate
0.55%$500-60 Month Share Certificate
0.55%$500-72 Month Share Certificate
0.55%$500-84 Month Share Certificate
0.55%$500-96 Month Share Certificate
0.55%$500-108 Month Share Certificate
0.55%$500-120 Month Share Certificate
0.55%$100k-24 Month Jumbo Share Certificate
0.50%$500-48 Month Share Certificate
0.50%$1k-Business 48 Month CD
0.50%$1k-Business 60 Month CD
0.50%$1k-Business 72 Month CD
0.50%$1k-Business 84 Month CD
0.50%$1k-Business 96 Month CD
0.50%$1k-Business 108 Month CD
0.50%$1k-Business 120 Month CD
0.45%$500-36 Month Share Certificate
0.40%$500-30 Month Share Certificate
0.40%$100k-360 Day Jumbo Share Certificate
0.35%$500-24 Month Share Certificate
0.30%$100k-180 Day Jumbo Share Certificate
0.25%$500-18 Month Share Certificate
0.25%$100k-90 Day Jumbo Share Certificate
0.20%$500-12 Month Share Certificate
0.20%$500-12 Month Tax Deferred Share Certificate
0.20%$100k-60 Day Jumbo Share Certificate
0.20%$1k-Business 12 Month CD
0.20%$1k-Business 18 Month CD
0.20%$1k-Business 24 Month CD
0.20%$1k-Business 36 Month CD
0.15%$100k-30 Day Jumbo Share Certificate
0.10%$500-6 Month Share Certificate
0.10%$500-6 Month Variable Share Certificate
0.10%$500-9 Month Share Certificate
0.10%$1k-Business 6 Month CD
0.05%$1k-31 Day Share Certificate
0.05%$500-3 Month Share Certificate
0.05%$5k-Business 7 Day CD
0.05%$5k-Business 14 Day CD
0.05%$5k-Business 21 Day CD
0.05%$5k-Business 31 Day CD
0.05%$1k-Business 60 Day CD
0.05%$1k-Business 3 Month CD

ESL Federal Credit Union IRA Rates

1.10%$100k-60 Month Jumbo IRA Certificate
0.85%$100k-48 Month Jumbo IRA Certificate
0.65%$100k-36 Month Jumbo IRA Certificate
0.55%$100k-24 Month Jumbo IRA Certificate
0.55%$100-60 Month IRA Certificate
0.55%$100-72 Month IRA Certificate
0.55%$100-84 Month IRA Certificate
0.55%$100-96 Month IRA Certificate
0.55%$100-108 Month IRA Certificate
0.55%$100-120 Month IRA Certificate
0.50%$100-48 Month IRA Certificate
0.45%$100-36 Month IRA Certificate
0.40%$100k-360 Day Jumbo IRA Certificate
0.40%$100-30 Month IRA Certificate
0.35%$100-24 Month IRA Certificate
0.30%$100k-180 Day Jumbo IRA Certificate
0.25%$100k-90 Day Jumbo IRA Certificate
0.25%$100-18 Month Variable IRA Certificate
0.25%$100-18 Month IRA Certificate
0.20%$100k-60 Day Jumbo IRA Certificate
0.20%$100-12 Month IRA Certificate
0.15%$100k-30 Day Jumbo IRA Certificate
0.10%$100-6 Month Variable IRA Certificate
0.10%$100-9 Month IRA Certificate
0.10%$100-6 Month IRA Certificate
0.05%$100-31 Day IRA Certificate

ESL Federal Credit Union has 20 locations. Click to view all ESL Federal Credit Union locations.