Esl Rochester NY Credit Union | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to Esl, your trusted partner in achieving financial wellness right here in the heart of Rochester, NY. Located at 225 Chestnut St, our branch has been serving the community since 1995, and we pride ourselves on building lasting relationships with our members. With a growing membership of 450,642 individuals, we understand what it means to be part of a community that cares. At Esl, we believe in transparency and commitment to our members' financial health. Our total assets amount to an impressive $9,589,555,760, showcasing our strength and stability. With total deposits reaching $26,736,310 and a net worth of $1,581,486,953, you can trust that your finances are in safe hands. We also have $76,955,654 in cash on hand to ensure we can meet your needs promptly. Under the leadership of our dedicated CEO, Faheem Masood, and Board President Diana Nole, Esl is focused on providing top-notch services tailored just for you. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business banking options such as merchant services and business loans, we've got you covered. We invite you to visit us at our branch for all your banking needs. If you prefer to communicate from afar, please send any official correspondence to our mailing address at 225 Chestnut St, Rochester, NY 14604. Our friendly staff is ready to assist you during our operating hours: Monday and Thursday from 9 AM to 5 PM; Tuesday and Wednesday from 9 AM to 4 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 1:30 PM. Ready to experience exceptional service? Call us at 585-336-1000 or explore more about our offerings by visiting our website at esl.org. Let's work together towards your financial goals!

Branch History & Mission

Our Journey

Since opening our doors, Esl has experienced remarkable growth. With a current membership of over 450,642, we have become a trusted partner for individuals and families seeking financial solutions that align with their goals. Our total assets have reached an impressive $9,589,555,760, reflecting our commitment to providing secure and reliable banking services. Throughout our journey, we've embraced innovation while maintaining our core mission: to improve the financial well-being of our members and enhance the communities we serve. From the early days of traditional banking practices to today's digital advancements, we've evolved to meet the changing needs of our members. We offer various services, including personal banking, auto loans, mortgage refinancing, and business banking all designed with your needs in mind.

Our Mission

At Esl, our mission is clear: to empower individuals through accessible financial services while actively contributing to community well-being. We believe that banking should be more than just transactions; it's about building relationships and fostering trust. We strive to create an inclusive environment where everyone feels valued and supported. Our commitment extends beyond banking. Through partnerships with local organizations and community outreach efforts, we work tirelessly to make a positive impact in Rochester. Whether through educational workshops or sponsorships for local events, we are dedicated to giving back to those who have supported us over the years.

Visit Us

While you can visit us at 225 Chestnut St Rochester Ny 14604 during our convenient operating hours Monday and Thursday from 9 AM to 5 PM, Tuesday and Wednesday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1:30 PM you can also reach us at (585) 336-1000 for any inquiries or assistance. For official correspondence, please send mail to 225 Chestnut St, Rochester, NY 14604. We invite you to experience all that Esl offers. Join us today and discover how we can help you achieve your financial dreams while being a part of something bigger a thriving community bank that cares about you!

Branch Location & Accessibility

Welcome to Esl! Located at the heart of Rochester, our branch at 225 Chestnut St Rochester Ny 14604 is designed to make your banking experience as convenient and accessible as possible. Whether you're popping in for a quick transaction or need assistance with your financial goals, we're here to help you every step of the way. Situated near popular landmarks, our branch is easy to find and reach. With ample parking available, you can visit us without worrying about finding a spot. We also ensure that our facility is ADA compliant, featuring ramps and other accessibility features for all our members. Our friendly team is ready to serve you during our operating hours: Monday and Thursday from 9 AM to 5 PM, Tuesday and Wednesday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1:30 PM. We understand your busy schedule, which is why we offer flexible hours to accommodate your needs. At Esl, we provide a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. For those on the go, we have an ATM available for quick cash withdrawals and balance checks. Plus, enjoy the convenience of our drive-thru banking for simple transactions without leaving your car. While members can visit us at 225 Chestnut St Rochester Ny 14604, official correspondence should be sent to our mailing address at 225 Chestnut St, Rochester, NY 14604 if different. 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 branch soon!

Member Eligibility

Joining the Esl community is more than just opening an account; it's about becoming part of a family that supports your financial journey. To be eligible for membership at Esl, you simply need to live, work, or worship in certain areas of Rochester, NY, or have a family member who is already a member. This inclusive approach means that many people can join and start enjoying the benefits of our services. By becoming a member, you'll gain access to competitive rates on loans and savings, personalized financial advice, and a range of banking products designed with you in mind. The process is straightforward! For detailed eligibility criteria and to learn more about what we offer, visit us at this link. If you're ready to open an account or have questions, feel free to reach out at (585) 336-1000 or check out our account opening details here. We look forward to welcoming you to Esl at our branch located at 225 Chestnut St Rochester Ny 14604!

Business Banking & Commercial Services

Member Commercial Loans

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. Whether you're looking to expand your operations or invest in new equipment, our member loan offerings are designed to meet your specific needs.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine having a streamlined payment system that allows you to focus on what truly matters growing your business. Our merchant solutions help you accept payments easily, manage cash flow effectively, and enhance customer satisfaction. Visit us at 225 Chestnut St Rochester Ny 14604, Rochester, NY, or call us at (585) 336-1000 to learn how we can support your business journey today!

Non-Member Support

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. This accessibility allows more businesses to take advantage of opportunities without the usual constraints.

Outstanding Portfolio

With an outstanding commercial loan portfolio of $888,402,746, we continue to drive economic growth by financing new and expanding businesses. Each loan we provide helps foster innovation, create jobs, and build strong communities.

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services include merchant services and business loans designed to support your growth. We know how important it is to have reliable financial resources when managing a business, and we're committed to helping you succeed.

Digital Banking Features

We also prioritize convenience through our online and mobile banking platforms. You can manage your accounts anytime, anywhere whether it's checking balances, transferring money, or paying bills. Our ATM services ensure that cash withdrawals are always within reach, while our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle.

Friendly Service When You Need It

At Esl, we pride ourselves on not just offering services but building relationships with our members. Whether you're visiting us in person at 225 Chestnut St Rochester Ny 14604 or connecting through our digital platforms, our goal is to provide exceptional service tailored just for you. Ready to explore all the ways we can assist you? Call us at (585) 336-1000 or visit us today at Chestnut! We look forward to helping you meet your financial goals!

Home Financing

Thinking about buying a home? Our mortgage loans provide you with flexible terms and competitive rates, making it easier to turn your dream into reality. If you're already a homeowner, consider our refinancing options that could potentially lower your monthly payments or help you tap into your home's equity.

Loans & Credit Solutions

In addition to home and auto financing, we offer personal loans for debt consolidation or unexpected expenses. Plus, our credit cards come with rewards that can benefit you on everyday purchases. With various options available, we're here to guide you in choosing the right solution for your financial journey.

Personal Banking

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a new car or planning for retirement, we offer competitive interest rates and easy access to your funds. For those looking to finance their next vehicle, our auto loans and vehicle financing options make the process straightforward and stress-free.

Digital & Online Banking

Accessibility and Ease-of-Use

At Esl, we believe in making banking accessible for everyone. Our user-friendly interface ensures that even those who may not be tech-savvy can navigate their accounts easily. Plus, if you need assistance, our friendly staff is always here to help just give us a call at (585) 336-1000. Experience the benefits of modern banking with us today! Visit https://www.esl.org/ to explore all the digital services available at Esl and take control of your finances with confidence.

Key Services Available

Our mobile application brings the bank to your fingertips, allowing you to manage your accounts on the go. You can make person-to-person transfers effortlessly, so sending money to friends or family is as simple as a few taps on your screen. If you prefer keeping track of your statements electronically, you'll be pleased to know that e-statements are available, offering a secure way to view your financial records without the clutter of paper.

Security You Can Trust

We prioritize your security in every transaction. Although we currently do not offer electronic signature authorization, our online platform is designed with robust security measures to protect your information. You can have peace of mind knowing that your data is safe while you enjoy the convenience of mobile payments and other features.

Financial Strength

A Growing Member Base

We have a robust community of trust as shown by our Total Share and Deposit Accounts: 917,970, demonstrating the growing membership base that relies on us for their financial needs. Additionally, Net Shares (Funds available for lending and investments): $23,523,734 underscore our readiness to support your financial aspirations. 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 225 Chestnut St Rochester Ny 14604 or call (585) 336-1000 to learn more about how we can help you achieve your financial goals.

Commitment to Innovation and Growth

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 with $57,066 in used auto loans and $4,178,813,711 in total loans and leases.

Operational Efficiency

Our operational efficiency is reflected in our $0, 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.

Solid 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 interested in financing a new or used vehicle, our loan specialists are here to guide you through the process. We also provide refinancing options for those looking to lower their monthly payments or reduce their interest rates.

Business Loans

For business owners, our outstanding commercial loans totaling $888,402,746 provide the capital needed to grow and expand. We know how vital it is for local businesses to have access to funding when they need it most. At Esl, we strive to provide personalized service tailored to your financial needs. If you're unsure about your eligibility for any of our loan products or want more details on refinancing options available to you, don't hesitate to reach out. You can contact us at (585) 336-1000 or visit us at our branch located at 225 Chestnut St Rochester Ny 14604 in Rochester, 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. Let us help you take the next step toward achieving your financial dreams!

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. Our team will work with you to determine eligibility and find the best terms for your new mortgage. We believe that owning a home should be accessible and straightforward.

Unsecured Credit Card Loans

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. These cards come with benefits such as rewards programs and low-interest rates, making them an ideal choice 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). This approach ensures that users receive fair and transparent offers tailored to their needs.

Esl

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans