Esl Fairport NY Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Esl, your trusted financial partner located at 1271 Fairport Rd, Fairport, NY 14450. Since our establishment in 1995, we have dedicated ourselves to serving our community with integrity and care. With a proud membership of over 450,000, we are committed to providing personalized financial solutions tailored to meet your needs. At Esl, we understand that every member's journey is unique. That's why we offer a range of services from personal banking and auto loans to mortgage financing and business banking solutions. Our total assets exceed an impressive $9.5 billion, which reflects our strength and stability in the financial landscape. Our commitment to you is further demonstrated by our robust total deposits of $26,736,310 and a net worth of $1,581,486,953. Our branch is not just a place for transactions; it's a hub for building relationships within the Fairport community. With a dedicated team of 932 employees led by our CEO, Faheem Masood, and Board President, Diana Nole, we strive to create an environment where members feel valued and supported. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 1271 Fairport Road, Fairport, NY 14450-1307. Whether you're looking to open an account or need assistance with loans totaling over 291,481, we're here for you. Explore our website at Esl or give us a call at 585-336-1000 to learn more about how we can help you achieve your financial goals. Join us today and experience the Esl difference!

Branch History & Mission

Community Focus

While members can visit us at 1271 Fairport Rd for all their banking needs, official correspondence should be sent to 1271 Fairport Road, Fairport, NY 14450-1307. Our branch features convenient operating hours Monday through Friday with drive-thru banking available for those who prefer quick transactions without leaving their vehicles. We also offer ATM services to ensure our members have access to their funds whenever they need them. At Esl, we are dedicated to being more than just a financial institution; we strive to be a vital part of the Fairport community. Through partnerships with local organizations and participation in community events, we aim to uplift those around us and create lasting positive change.

Join Us Today

If you're looking for a credit union that truly cares about your financial journey and the community it serves, look no further than Esl in Fairport. We invite you to explore our services and experience firsthand how we can help you reach your financial dreams. Visit us today or give us a call at 585-336-1000! Together, let's build a brighter future for everyone in Fairport.

Our Evolution

Esl has evolved from a small credit union into a trusted financial partner within the Fairport community. Over the years, we have expanded our services to meet the diverse needs of our members. We offer personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking services. Our growth is not just reflected in numbers but also in the impact we've made through various outreach initiatives aimed at supporting local charities and events. Our mission is simple yet profound: to enhance the financial well-being of our members while fostering a strong sense of community. We believe that everyone deserves access to quality financial services that can help them achieve their goals. This commitment drives us to provide personalized support and innovative solutions tailored to each member's unique situation.

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about our services, feel free to give us a call at (585) 336-1000. Our friendly team is here to help! While members can visit us at 1271 Fairport Rd Fairport Ny 14450, official correspondence should be sent to 1271 Fairport Road, Fairport, NY 14450-1307. We look forward to welcoming you at Esl soon!

Convenient Access and Nearby Landmarks

Located near local favorites, including parks and shops, our branch is easy to reach. Parking is available right outside, ensuring you won't have to worry about finding a spot. Our facility is fully accessible, featuring ADA-compliant entrances and ramps for those who need them.

Operating Hours and Services

We understand that life gets busy, so we offer flexible hours to fit your schedule. Visit us Monday through Thursday from 9 AM to 5 PM, Tuesday until 4 PM, Friday until 6 PM, and Saturday from 9 AM to 1:30 PM. This way, you can come in at a time that works best for you. At Esl, we provide a wide range of services tailored to meet your banking needs from personal checking and savings accounts to auto loans and credit cards with rewards. For quick transactions, take advantage of our drive-thru service or utilize our ATM for cash withdrawals and balance checks.

Member Eligibility

Welcome to the vibrant community at Esl! We're excited to share that becoming a member is easier than you might think. To join our family, you simply need to meet a few friendly eligibility requirements. Whether you're a resident of our local area or work here, there's a good chance you qualify. We also welcome members of your immediate family, making it simple for you to share the benefits of credit union membership with those closest to you. At Esl, we pride ourselves on offering personalized services and financial solutions tailored to your needs, whether it's checking accounts, loans, or savings options. If you're curious about the specific criteria and want more details, feel free to check out our eligibility page at https://www.esl.org/about-us/esl-membership . It's packed with helpful information that can guide you through the process. Ready to take the next step? Opening an account is straightforward and can be done in just a few minutes! You can learn more about how to get started by visiting https://lpl.vids.io/videos/ac9adbb11a18e3c725/getting-started-with-the-new-account-view . If you have any questions or need assistance, don't hesitate to call us at (585) 336-1000. We look forward to welcoming you into our community at 1271 Fairport Rd Fairport Ny 14450!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,442 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $888,402,746, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we provide merchant services that make transactions easy for you and your customers. Imagine being able to accept payments seamlessly, whether in-store or online. Our solutions allow you to focus on what you do best running your business. Visit us at 1271 Fairport Rd Fairport Ny 14450, Fairport, NY, or call us at (585) 336-1000 to explore how we can help your business thrive!

Comprehensive List Of Services

Accessible Support

We know that sometimes you just want to talk to someone face-to-face. Our friendly staff is ready to assist you during lobby hours: Monday through Friday from 9 AM to 6 PM (with earlier closing on Tuesdays). You can reach us easily at (585) 336-1000 if you have questions or need assistance before visiting us at 1271 Fairport Rd Fairport Ny 14450. Whether you're managing personal finances or running a business, Esl is here for all your banking needs in Fairport, NY. Visit us today or check out more about what we offer at Fairport. We look forward to serving you!

Business Banking

For entrepreneurs and small business owners, we have tailored services under our Business Banking umbrella. This includes Merchant Services that facilitate easy payment processing and Business Loans designed to support your growth ambitions.

Digital and Convenient Banking

In today's fast-paced world, convenience is key. That's why we've made banking easier than ever with our robust Online & Mobile Banking platforms. Access your accounts anytime, anywhere using our mobile app or website. Need cash? Our ATM & Cash Withdrawal Services ensure you can get cash when you need it most, while basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle.

Financial Flexibility

Life sometimes throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play, helping you manage those costs without stress. Plus, if you enjoy earning rewards on your purchases, don't miss out on our Credit Cards with Rewards, which provide benefits that can make your spending more rewarding.

Personal Banking Solutions

For everyday banking needs, we offer Personal Banking services that include checking and savings accounts designed to help you save while enjoying easy access to your funds. If you're in the market for a new car or need financing for a vehicle, our Auto Loans & Vehicle Financing options can get you behind the wheel quickly and affordably. You can also explore our Mortgage Loans & Refinancing services, ideal for anyone looking to buy their first home or refinance an existing mortgage to lower their monthly payments.

Digital & Online Banking

Key Features

Enjoy the ease of person-to-person transfers with just a few taps on your smartphone. Need to send money to a friend? It's quick and hassle-free! If you're looking for a way to stay organized and eco-friendly, we offer e-statements that allow you to view your account statements online without the clutter of paper. Security is our top priority. While we do not currently offer electronic signature authorization for transactions, rest assured that our systems are designed with robust security measures to protect your personal information and ensure safe banking. For those who enjoy using their smartphones for payments, our mobile payments feature lets you make purchases effortlessly. Just add your card to your favorite payment app, and you're ready to shop! At Esl, we strive to provide accessible banking solutions that fit into your lifestyle. Enjoy real-time account management and peace of mind knowing that help is always available at the end of the line just give us a call at (585) 336-1000 if you need assistance. Whether you're using our website or mobile app, we're here to support you every step of the way in achieving financial success!

Financial Strength

Growing Membership Base

With 917,970 total share accounts, we're pleased to see a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $23,523,734, further showcasing our commitment to your financial well-being. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Esl is your trusted partner. Visit us at 1271 Fairport Rd Fairport Ny 14450 or call (585) 336-1000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Investment in You

With $1,581,486,953 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, as demonstrated by our $57,066 in used auto loans and $4,178,813,711 in total loans and leases.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 897 full-time employees and 35 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $1,002,151,351 in share certificates and $1,239,845,615 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $176,263,812, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $1,581,486,953, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,649 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,131,095,827 in used vehicle loans and $413,862,475 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our flexible financing options can help make it happen.

Business Loans

For business owners, our outstanding commercial loans totaling $888,402,746 provide the capital needed to grow and expand. Whether you need funds for inventory, equipment, or operational costs, we are here to support your business journey. At Esl, we believe in empowering our members through financial education and accessible resources. If you're considering refinancing or want more information about eligibility options for any of our loan products, please don't hesitate to reach out. For inquiries or assistance, feel free to contact us at (585) 336-1000, or visit us at our branch located at 1271 Fairport Rd Fairport Ny 14450, Fairport, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial future starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $404,215,902, make buying or refinancing simple. We offer competitive rates and terms that fit your budget, ensuring you have a solid foundation for your future.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $171,194,910 in loans helping members manage their finances effectively. Our credit cards come with rewards and no annual fees, making them an excellent option for everyday purchases or emergencies.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers. This commitment to accuracy means that users receive reliable information when comparing loans.

ESL FEDERAL CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans