Featured Savings Rates
Featured Accounts

ESL Federal Credit Union

Popular Accounts at this Credit Union

0.55%5-year CD60 Month Jumbo Share Certificate
0.15%1-year CD12 Month Tax Deferred Share Certificate
0.05%SavingsSimple Savings (Daily Dividend 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 21st largest credit union in the nation. It was established in 1995 and as of September of 2017, it had grown to 613 employees and 346,946 members at 20 locations. ESL Federal Credit Union's money market rates are 2X the national average, and it boasts 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

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.

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 - YTD1.65%
Return on Equity - YTD9.93%
Annual Interest Income$161.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$6.16B$5.97B
LoansQ3 2017vs Q3 2016$2.70B$2.49B
DepositsQ3 2017vs Q3 2016$3.28B$3.15B
Equity CapitalQ3 2017vs Q3 2016$1.03B$928.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$35.5MM$31.7MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$19.4MM$17.8MM
Real Estate OwnedQ3 2017vs Q3 2016$83.00K$513.00K
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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

0.90%*$250k*-Premier Money Maker Account
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.50% $50k - $100k | 0.70% $100k - $250k
0.50%*$50k*-IRA Money Maker Account
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k
0.50%*$50k*-Money Maker Account
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k
0.50%*$250k*-Business Money Maker Account
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $50k | 0.25% $50k - $250k

ESL Federal Credit Union Checking Account Rates

0.20%*$100k*-Business Premier Checking
OTHER TIERS: 0.15% $10k - $100k
0.05%--Premier Checking

ESL Federal Credit Union CD Rates

1.25%$500-24 Month Share Certificate
1.25%$1k-Business 24 Month CD
1.10%$100k-48 Month Jumbo Share Certificate
1.00%$500-13 Month Share Certificate (New Money Only)
1.00%$1k-Business 13 Month CD (New Money Only)
0.95%$500-24 Month Call Certificate
0.95%$500-60 Month Call Certificate
0.85%$100k-36 Month Jumbo Share Certificate
0.65%$100k-24 Month Jumbo Share Certificate
0.55%$500-48 Month Share 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%$100k-360 Day Jumbo Share Certificate
0.55%$100k-60 Month Jumbo Share Certificate
0.55%$1k-Business 48 Month CD
0.55%$1k-Business 60 Month CD
0.55%$1k-Business 72 Month CD
0.55%$1k-Business 84 Month CD
0.55%$1k-Business 96 Month CD
0.55%$1k-Business 108 Month CD
0.55%$1k-Business 120 Month CD
0.50%$500-36 Month Share Certificate (New Money Only)
0.50%$1k-Business 36 Month CD (New Money Only)
0.45%$500-30 Month Share Certificate
0.45%$1k-Business 30 Month CD
0.40%$100k-180 Day Jumbo Share Certificate
0.35%$500-18 Month Share Certificate
0.35%$1k-Business 18 Month CD
0.30%$100k-90 Day Jumbo Share Certificate
0.25%$100k-60 Day Jumbo Share Certificate
0.25%$500-15 Month Share Certificate
0.25%$1k-Business 15 Month CD
0.20%$500-6 Month Variable Share Certificate
0.20%$500-12 Month Share Certificate
0.20%$100k-30 Day Jumbo Share Certificate
0.20%$1k-Business 12 Month CD
0.15%$500-12 Month Tax Deferred Share Certificate
0.10%$500-6 Month Share Certificate
0.10%$500-9 Month Share Certificate
0.10%$500-120 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

1.25%$100-30 Month IRA Certificate
1.10%$100k-60 Month Jumbo IRA Certificate
1.00%$100-15 Month IRA Certificate
0.85%$100k-48 Month Jumbo IRA Certificate
0.65%$100-36 Month IRA Certificate (New Money)
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%$100k-36 Month Jumbo IRA Certificate
0.40%$100k-360 Day Jumbo 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