225 Chestnut St
Rochester, NY 14604
See all branch locations →
Phone 1-585-336-1000
Esl is an NCUA insured institution located in Rochester, NY. It was founded in 1995 and has approximately $9294.43 millions in assets.
Who's eligible to join ESL?
It's easy to find out if you are eligible to join ESL Federal Credit Union. Once you become a member, your immediate family is also eligible for Credit Union membership! That means your spouse, children, parents, grandparents, grandchildren, brothers, sisters, and household members. To be eligible for membership, you generally must fit into one of the following categories:
1. Persons who live, work, worship or attend school located in the geographic boundaries of the City of Rochester , N.Y.
2. Employees or retirees of:
Eastman Kodak Company who work in or are paid from Rochester, New York
Wegmans Food Markets
Chase Pitkin
Harter, Secrest & Emery LLP
Nixon Peabody LLP
3. Employees or retirees of the following Eastman Kodak Company subsidiaries:
Eastman Gelatine Corporation who work in or are paid from Peabody, Massachusetts
FPC, Inc. who work in or are paid from Hollywood, California
Imagery Software, Inc. who work in or are paid from Bedford, Massachusetts
Jamieson Film Company who work in or are paid from Dallas, Texas
Kodak Electronic Printing Systems, Inc. who work in or are paid from Bellerica, Massachusetts
Kodak Polychrome Graphics
Kodak Technical Services, Inc. who work in or are paid from Wilmington, Ohio
NexPress of Rochester, NY
Qualex who work in or are paid from Durham, North Carolina
The Image Bank South, Inc. who work in or are paid from Atlanta, Georgia
The Image Bank, Inc. or its divisions, Film Search, Inc. or Stockphotos, Inc. who work in or are paid from Irving, Texas
4. ALL employees or retirees of the following companies or units who perform outsourced work under contract to the Eastman Kodak Company and who work in Rochester , New York :
General Electric Capital Corporation
GTE Customer Networks
Guardsmark, Inc.
Integrated Systems Solutions Corporation [ISSC], a subsidiary of the International Business Machines Corporation
Marriott Food Services (does not include hotel employees or AVI employees)
Northern Telecom
5. Employees or retirees of ESL Federal Credit Union and ESL Investment Services, LLC.
6. Employees or retirees of the following companies:
Advent House
Archi-Technology, LLC
BBL®, Inc.
Daymon Worldwide
Genencor International, Inc.
Geva Theatre
Hatch Leonard Naples
Heidelberg Digital, LLC
Jamestown Container Rochester
Lightwave Enterprises, Inc.
Metrix Matrix, Inc.
Nationwide Precision Products Corporation
Nazareth Schools: The Hall and The Academy
Parrone Engineering
Pitney Bowes (Gates, NY)
Rochester Technology Park
School Of The Holy Childhood
TBO Company
Telecomp, Inc.
The Harley School
The Rochester Group
Total Identity Systems, Corp.
Trinity Emanuel Lutheran Church
URS Corporation
WHEC-TV
WROC-TV
WXXI
7. Members of the following groups or associations:
The board of the Penfield Ecumenical Food Shelf, Inc.
Deer Run Homeowners Association
Genesee Valley Umpires Association
Greater Rochester Association of Realtors
8. Employees, retirees, or volunteers of the George Eastman House
9. An immediate family member or household member of individuals qualifying under 1 - 8 above.
NCUA Insured | Yes / Federally Chartered |
Charter Number # | # 24563 |
Date Established | 1995 |
Assets | $9,294.43 million |
Loans | $4,054.81 million |
Deposits | $5,784.00 million |
Capital | $1,547.82 million |
Your Current Location: Ohio, OH 43085
Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
---|---|---|---|---|
SAV
|
0.05% | $0 | - |
Learn More
|
Money Market
|
0.50% | $2,500 | $9,999 |
Learn More
|
Money Market
|
0.65% | $10,000 | $24,999 |
Learn More
|
Money Market
|
0.85% | $25,000 | $49,999 |
Learn More
|
CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
---|---|---|---|---|
6 Mo CD
|
0.10% | $500 | - |
Learn More
|
6 Mo CD
|
0.15% | $100,000 | $199,999 |
Learn More
|
12 Mo CD
|
0.12% | $500 | - |
Learn More
|
12 Mo CD
|
0.15% | $100,000 | $199,999 |
Learn More
|
18 Mo CD
|
0.12% | $500 | - |
Learn More
|
18 Mo CD
|
0.15% | $100,000 | $199,999 |
Learn More
|
24 Mo CD
|
0.12% | $500 | - |
Learn More
|
24 Mo CD
|
0.15% | $100,000 | $199,999 |
Learn More
|
36 Mo CD
|
0.15% | $500 | - |
Learn More
|
36 Mo CD
|
0.20% | $100,000 | $199,999 |
Learn More
|
48 Mo CD
|
0.15% | $500 | - |
Learn More
|
48 Mo CD
|
0.20% | $100,000 | $199,999 |
Learn More
|
60 Mo CD
|
0.15% | $500 | - |
Learn More
|
60 Mo CD
|
0.20% | $100,000 | $199,999 |
Learn More
|
Variable IRA Rates | APY | MIN | MAX | |
---|---|---|---|---|
Var IRA
|
0.05% | $1 | $2,499 | Learn More |
Int Checking Rates | APY | MIN | MAX | |
---|---|---|---|---|
Int Ckg
|
0.05% | $1 | - | Learn More |
Your Current Location: Ohio, OH 43085
Home Equity Rates | APR | Rate | Monthly Payment | |
---|---|---|---|---|
Line of Credit See Table |
8.25% | 8.25% | Varies | |
Compare with 7.24 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
10 Year Loan
See Table |
7.00% | 6.74% | $1,147.73 | |
15 Year Loan
See Table |
6.49% | 6.49% | $870.56 |
Auto Loan Rates | APR | Rate | Monthly Payment | |
---|---|---|---|---|
3 Year | 6.69% | 6.69% | $768.39 | |
4 Year | 6.69% | 6.69% | $595.07 | |
5 Year | 6.69% | 6.69% | $491.38 |
Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
---|---|---|---|---|
10 Year Fixed Jumbo See Amortization Table |
5.32% | 5.32% | $3,444.68 | |
10 Year Fixed Conforming See Amortization Table |
5.57% | 5.57% | $3,483.79 | |
15 Year Fixed Jumbo See Amortization Table |
5.32% | 5.32% | $2,584.54 | |
15 Year Fixed Conforming See Amortization Table |
5.51% | 5.51% | $2,616.71 | |
20 Year Fixed Jumbo See Amortization Table |
5.65% | 5.65% | $2,228.80 | |
20 Year Fixed Conforming See Amortization Table |
5.83% | 5.83% | $2,260.94 | |
30 Year Fixed Jumbo See Amortization Table |
5.88% | 5.88% | $1,894.76 |
Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
---|---|---|---|---|
10 Year Fixed Jumbo See Amortization Table |
5.32% | 5.32% | $3,444.68 | |
10 Year Fixed Conforming See Amortization Table |
5.57% | 5.57% | $3,483.79 | |
15 Year Fixed Jumbo See Amortization Table |
5.32% | 5.32% | $2,584.54 | |
15 Year Fixed Conforming See Amortization Table |
5.51% | 5.51% | $2,616.71 | |
20 Year Fixed Jumbo See Amortization Table |
5.65% | 5.65% | $2,228.80 | |
20 Year Fixed Conforming See Amortization Table |
5.83% | 5.83% | $2,260.94 | |
30 Year Fixed Jumbo See Amortization Table |
5.88% | 5.88% | $1,894.76 | |
Compare with 6.494% APR and 6.375% 30-Year Fixed RATE from Pure Rate Mortgage
See All Mortgage Rates |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Below are Esl branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Branch | Distance | Map | View Lobby Hours |
---|---|---|---|
338.82 | A | View Lobby Hours | |
348.82 | B | View Lobby Hours | |
353.28 | C | View Lobby Hours | |
358.69 | D | View Lobby Hours | |
359.51 | E | View Lobby Hours | |
360.81 | F | View Lobby Hours | |
361.12 | G | View Lobby Hours | |
361.12 | H | View Lobby Hours | |
361.31 | I | View Lobby Hours | |
361.60 | J | View Lobby Hours | |
361.81 | K | View Lobby Hours | |
362.27 | L | View Lobby Hours | |
362.91 | M | View Lobby Hours | |
363.05 | N | View Lobby Hours | |
363.71 | O | View Lobby Hours | |
365.11 | P | View Lobby Hours | |
365.61 | Q | View Lobby Hours | |
367.11 | R | View Lobby Hours | |
369.85 | S | View Lobby Hours | |
378.62 | T | View Lobby Hours |
ESL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
or use your BestCashCow account
The following ratios and data are available to help you better understand the financial condition of Esl. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Esl | U.S. Average |
---|---|
3.71% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Esl had $56,044,562 in non-current loans and $3,503,221 in owned assets. To cover these potential losses it had $1,547,819,900 in net worth and $57,469,605 in loans loss reserves. That gives it a Texas Ratio of 3.71%.
Esl | U.S. Average |
---|---|
16.65% | 13.93% |
Esl FCU has a net worth of 16.65% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Esl
There are currently no comments for ESL. Be the first to share your experience. Please provide comments that will help others.
Add Your Review
or use your BestCashCow account