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ESL Rates & Review April 2026

Q: Is ESL a safe place to deposit money?

Yes, ESL is considered a safe financial institution. With a Texas Ratio of 2.4519191698476%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does ESL operate?

ESL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join ESL?

Yes, to access services at ESL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, ESL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ESL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 20, 2026

You can compare ESL rates to other rates in our database, including 12-month share certificate rates currently at 1.05%, 6-month share certificate rates at 3.40% and 3-month share certificate rates at 3.80%. Savings rates are at 0.50% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.06%. All these rates can be compared to ESL rates. MonitorBankRates evaluates the financial stability of ESL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.45%. Rates were last updated on 04/20/2026.

ESL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ESL? Share your experience about ESL by leaving a review below, or read customer reviews before you decide to use ESL.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.45%

Excellent Lower than avg

Texas Community Bank
ESL FCU

225 Chestnut St
Rochester, NY 14604

https://www.esl.org

ESL Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	3.95%
Details Intro rate expires: 12 months; LTV up to 90% + no closing costs; Regular APR: 7.25% APR1 with an LTV up to 80%. Last Updated 04/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.59%

ESL Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	0.00%
Details Intro rate expires: 12 months; Regular APR: 11.75%-17.99% Last Updated 04/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.59%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for ESL is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather ESL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ESL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ESL

Website https://www.esl.org

Address 225 Chestnut St, Rochester, NY 14604

Phone 585-336-1000

Fax

President Erin Tolefree

CEO Faheem Masood

Full-Time Employees 938

Part-Time Employees 32

Branch Locations 25

ATM Locations 25

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.45%

Return on Assets (ROA)

1.0969%

Return on Equity (ROE)

6.5449%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

9,896,489,120

Total Amount of Shares and Deposits

5,728,258,198

Total Shares and Deposits < 1 Year

5,674,576,749

Total Shares and Deposits 1 3 Years

53,021,280

Total Shares and Deposits > 3 Years

660,169

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

583,079,058

Total Uninsured Shares and Deposits > $250K (F+J)

583,079,058

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,145,179,140

Total Interest Expense (Sum of items 6 8)

147,619,822

Share Certificates

21,464

Number of Accounts for Share Drafts

290,906

IRA KEOGH Accounts

3,588

Number of Accounts for Regular Shares

530,074

All other shares

7,632

Non Member Deposits

239

Money Market Shares

78,641

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

109,930,107

Total Liabilities

8,456,523,469

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About ESL

Is ESL a safe place to deposit money?

Yes, ESL is considered a safe financial institution. With a Texas Ratio of 2.4519191698476%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does ESL operate?

ESL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join ESL?

Yes, to access services at ESL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, ESL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ESL provides members with tools to manage their accounts and build a solid financial history.

Does ESL offer online and mobile banking?

Most modern institutions like ESL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.esl.org.