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ESL Rates & Review August 2026

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 and Verified: August 29, 2026

ESL rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not ESL, and you can see how they compare in the ESL rate tables below. MonitorBankRates evaluates the financial stability of ESL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.34%. Database rates last updated and verified on 08/29/2026.

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

2.34%

Excellent Lower than avg

ESL
ESL FCU

225 Chestnut St
Rochester, NY 14604

https://www.esl.org

Current Rate Availability

We're not currently displaying rates for ESL, but our database is updated constantly — check back soon for the latest offers.

Are you with ESL? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

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

2.34%

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

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

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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Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for ESL

Frequently Asked Questions About ESL

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.