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ESL Rates & Review September 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: September 23, 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 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. 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 2.08%. Database rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.08%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

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, so 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.

Financial Health History

ESL’s Texas Ratio rose from 1.44% in Q2 2023 to 2.08% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$10.6B	2.08%	5.0	A+
December 31, 2025	$9.9B	2.56%	5.0	A+
September 30, 2025	$9.9B	2.34%	5.0	A+
June 30, 2025	$9.6B	2.22%	5.0	A+
March 31, 2025	$9.5B	1.87%	5.0	A+
December 31, 2024	$9.5B	2.62%	5.0	A+
September 30, 2024	$9.6B	2.21%	5.0	A+
June 30, 2024	$9.3B	1.79%	5.0	A+
March 31, 2024	$9.2B	1.48%	5.0	A+
December 31, 2023	$9.3B	1.99%	5.0	A+
September 30, 2023	$9.1B	1.64%	5.0	A+
June 30, 2023	$9.1B	1.44%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 Thomas Rogers

Full-Time Employees 1,013

Part-Time Employees 29

Branch Locations 33

ATM Locations 33

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

2.08%

Return on Assets (ROA)

0.3402%

Return on Equity (ROE)

2.1461%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

10,636,393,005

Total Amount of Shares and Deposits

6,211,798,127

Total Shares and Deposits < 1 Year

6,169,107,413

Total Shares and Deposits 1 3 Years

41,662,433

Total Shares and Deposits > 3 Years

1,028,281

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

643,964,831

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

643,964,831

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

5,567,833,296

Total Interest Expense (Sum of items 6 8)

43,203,239

Share Certificates

23,188

Number of Accounts for Share Drafts

303,874

IRA KEOGH Accounts

3,591

Number of Accounts for Regular Shares

552,600

All other shares

9,153

Non Member Deposits

235

Money Market Shares

83,872

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)

42,748,183

Total Liabilities

9,150,041,718

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

ESL earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/esl-rates-review-24563">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for ESL yet. Feel free to create one below.

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

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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.