225 Chestnut St
Rochester, NY 14604

Phone 1-585-336-1000

Notable Rates APY Vs.Others
Savings 0.05% 1.90% →
1-Year CD 0.40% 2.02% →
2-Year CD 0.80% 2.02% →
5-Year CD 0.40% 2.02% →
30-Year Mortgage 3.81% 3.14% →
15-Year Mortgage 3.45% 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Esl is an NCUA insured institution located in Rochester, NY. It was founded in 1995 and has approximately $6664.67 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

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
Charter Number # # 24563
Date Established 1995
Assets $6,664.67 million
Loans $2,976.16 million
Deposits $3,715.76 million
Capital $1,170.55 million

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.

Deposit Rates - April 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $2,500 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.10% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.25% $100,000 - Learn MoreShow Less
0.20% $500 $99,999 Learn MoreShow Less
6 Mo CD
1.25% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $1 $2,499 Learn MoreShow Less
0.40% $100 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - April 3, 2020

Your Current Location: Connecticut, CT 06828

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 4.69% 4.69% $745.80
4 Year 4.69% 4.69% $572.23
5 Year 4.69% 4.69% $468.24
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

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:

Esl Locations

Financial Details

Esl Ratio Analysis

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.

Texas Ratio
Esl U.S. Average
2.47% 5.86

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, 2019, Esl had $28,026,933 in non-current loans and $1,991,315 in owned assets. To cover these potential losses it had $1,170,548,382 in net worth and $44,184,339 in loans loss reserves. That gives it a Texas Ratio of 2.47%.

Net Worth
Esl U.S. Average
17.56% 13.65%

Esl FCU has a net worth of 17.56% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Esl

Branches and Savings

What is Esl?

A federal credit union, registered with the NCUA under certificate #24563.
Learn more about credit unions here.

Is Esl FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Esl?

Please see Field of Membership information above for information on who is eligible to join.

What are Esl's share account and share certificate rates?

Esl's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Esl?

Esl has total capital of $1,170.55 million. Full information on Esl's financial position is located above.

Who owns Esl?

Credit Unions are owned by their members.

Where are Esl branches located?

See branch locations nearby.

Are Esl ATMs Open 24/7?

Do Esl ATMs accept cash deposits?

Can Esl customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Esl have a mobile app?

Does Esl have mobile deposit?

Does Esl have quick pay?

How can Esl transfer money to other banks or credit unions?

Does Esl report to credit bureaus?

Does Esl use Chexsystems?

Does Esl use Equifax?

What is Esl's toll free phone number?

What is Esl's ACH Routing Number?

What is Esl's SWIFT code?

Where can I find Esl's wire transfer form?

What is the Esl address for deposits?

What Products Does Esl Offer

Does Esl offer mortgages?

Compare mortgage rates here.

Does Esl offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Esl offer auto and RV loans?

Compare auto loan rates here.

Does Esl offer student loans or personal loans?

Compare personal loan rates here.

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