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 March of 2022, it had grown to 872 employees and 405,189 members at 22 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

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 - YTD0.64%
Return on Equity - YTD1.59%
Annual Interest Income$66.7MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$9.24B$8.32B
LoansQ1 2022vs Q1 2021$3.17B$3.13B
DepositsQ1 2022vs Q1 2021$5.56B$5.35B
Equity CapitalQ1 2022vs Q1 2021$3.68B$1.46B
Loan Loss AllowanceQ1 2022vs Q1 2021$56.2MM$58.4MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$22.0MM$27.8MM
Real Estate OwnedQ1 2022vs Q1 2021$0$0

Rates for ESL Federal Credit Union are currently being reviewed.



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