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%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 20th largest credit union in the nation. It was established in 1995 and as of December of 2016, it had grown to 598 employees and 336,880 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

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.

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.

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.



Health Grade Components

NCUA #24563
Year Chartered1995
Primary Regulator
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD9.72%
Annual Interest Income$194.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$6.07B$5.67B
LoansQ4 2016vs Q4 2015$2.54B$2.43B
DepositsQ4 2016vs Q4 2015$3.23B$3.07B
Equity CapitalQ4 2016vs Q4 2015$908.3MM$808.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$31.7MM$30.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$19.6MM$19.2MM
Real Estate OwnedQ4 2016vs Q4 2015$133.00K$236.00K
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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.