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

Introduction

Community Commitment

Our commitment goes beyond numbers; it extends to the heart of our community. Led by our CEO Faheem Masood and Board President Diana Nole, Esl strives to create a welcoming environment where everyone feels valued. With 932 employees on board, we're ready to assist you with a range of services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards.

Reach Out Today!

While members can visit us at 215 Merchants Rd, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out! Call us at 585-336-1000 or explore more about our offerings on our website: www.esl.org. We look forward to helping you navigate your financial journey with confidence!

Branch History & Mission

Commitment to Accessibility

Esl is committed to ensuring that everyone can benefit from our services. Our facilities comply with ADA standards, making it easier for all members of the community to access banking resources comfortably. While you can visit us at 215 Merchants Rd for all your banking needs, any official correspondence should be directed to the same address. Should you have questions or require assistance, feel free to reach out at 585-336-1000 during our operating hours: Monday from 9 AM to 5 PM; Tuesday from 9 AM to 4 PM; Wednesday from 9 AM to 4 PM; Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 1:30 PM.

Join Us Today

As we continue this journey together, we invite you to become part of Esl's family. Experience firsthand how we can help you navigate your financial path with confidence and care. Visit us online at Esl.org or stop by our branch today!

Mission Statement

Our mission at Esl is simple yet powerful: to empower our members through accessible financial services while fostering community growth and support. We believe in making banking personal and meaningful. By offering a range of products including checking accounts, auto loans, mortgages, and credit cards we aim to cater to every financial need. We are dedicated to supporting local initiatives and partnerships that uplift our community. Through outreach programs and educational workshops, we strive to enrich the lives of those around us.

Our Journey

Since opening our doors nearly three decades ago, Esl has evolved to meet the changing needs of our members. Initially serving a modest number of clients, our commitment to providing reliable banking options has led us to amass total assets of over $9.5 billion. This growth reflects not only our dedication but also the trust placed in us by our community. Over the years, we have embraced digital advancements to enhance member experience. We offer online banking, mobile applications, and easy access to ATMs for convenient transactions. Our drive-thru banking service ensures that even those on the go can manage their finances without hassle.

Branch Location & Accessibility

Convenient Access and Features

At Esl, we understand that accessibility is key. Our branch is equipped with features to ensure everyone feels welcome, including ADA-compliant entrances and ample parking space for your convenience. For those who prefer banking on the go, we also offer a drive-thru service that allows you to conduct simple transactions without leaving your vehicle.

Get in Touch!

If you have any questions or want to learn more about our offerings, don't hesitate to give us a call at 585-336-1000. We invite you to visit us at Esl on Merchants Rd today and discover how we can help you achieve your financial goals!

Operating Hours and Services

We're here to serve you during convenient hours! Our lobby hours are as follows: Monday from 9 AM to 5 PM, Tuesday from 9 AM to 4 PM, Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1:30 PM. Whether you need assistance with personal banking like checking and savings accounts or you're looking into auto loans or mortgage options, our friendly team is ready to help. In addition to our lobby services, we have an ATM available for quick withdrawals and balance checks. If you're in need of cash outside of regular hours or prefer digital banking solutions, our online and mobile banking platforms make managing your finances easier than ever.

Member Eligibility

Welcome to the vibrant community at Esl! We believe that everyone deserves a place where they can thrive financially, and becoming a member is easier than you might think. If you live, work, or go to school in the Rochester area, you're likely eligible to join us. We're committed to providing personalized service and a range of financial products tailored to your needs. To find out more about the specific eligibility criteria, feel free to check out this helpful resource: https://www.esl.org/about-us/esl-membership . Joining Esl opens the door to a world of benefits, from competitive rates on loans and savings accounts to access to online banking tools that make managing your finances effortless. The account opening process is straightforward, and our friendly team is here to guide you every step of the way. If you have any questions or need assistance, don't hesitate to give us a call at (585) 336-1000. We're excited to welcome you into our family at Esl, located at 215 Merchants Rd Rochester Ny 14609!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having the tools you need to process payments efficiently and keep your cash flow steady. Our merchant services provide real-world benefits, allowing you to accept payments seamlessly and manage transactions effortlessly. From point-of-sale systems to online payment solutions, we have what it takes to help your business thrive. Located at 215 Merchants Rd Rochester Ny 14609 in Rochester, NY, we're here to empower your business with the resources you need. Connect with us today at (585) 336-1000 and discover how we can be a partner in your success!

Tailored Loan Options

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.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about purchasing a new vehicle? We offer auto loans and vehicle financing that cater to various budgets and preferences. Picture driving away in your dream car with manageable monthly payments that fit comfortably within your budget.

Business Banking

For entrepreneurs and business owners in Rochester, we offer specialized business banking services including merchant services and business loans. We know how important it is to keep your business running smoothly while managing cash flow effectively.

Credit Cards with Rewards

With our credit cards, you can earn rewards on every purchase you make. Whether you're shopping for groceries or booking a vacation, why not earn points that can be redeemed for exciting rewards?

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to bank anytime, anywhere. From simple transactions at an ATM to checking balances on our user-friendly app, we ensure you have all the tools you need at your fingertips.

Drive-Thru and ATM Services

Need quick access to cash or want to make a deposit? Our basic drive-thru service provides easy access for everyday transactions without leaving your vehicle. Plus, our ATMs allow for withdrawals and balance checks whenever you need them. At Esl, located at 215 Merchants Rd Rochester Ny 14609, we're dedicated to helping you achieve your financial goals with confidence. If you'd like more information about any of these services or want to speak with someone directly, don't hesitate to call us at (585) 336-1000. We look forward to serving you!

Mortgage Loans and Refinancing

If homeownership is on your horizon or if you're considering refinancing, our mortgage loans provide competitive rates and flexible terms. We understand that buying a home is one of the biggest decisions you'll make, so we're here to guide you every step of the way.

Personal Banking

Whether you're looking to open a checking or savings account, we have options tailored just for you. Imagine having a safe place for your money that also helps it grow. With our personal banking services, you can manage your funds easily through online and mobile banking. You can check balances, transfer money, and pay bills from the comfort of your home or on the go.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans are designed to help you cover those costs without added stress. Additionally, if you're juggling multiple debts, consider our debt consolidation options. This can simplify your finances by combining several payments into one manageable loan.

Digital & Online Banking

Key Features

With our 24/7 Online Banking Services, you can check your balance, pay bills, and transfer money without needing to visit a branch. It's like having a bank right in your pocket! Our mobile application makes it even easier to stay connected to your finances with just a few taps on your smartphone. You can also enjoy the convenience of mobile payments, allowing you to make purchases directly from your device. For those who love keeping track of their transactions digitally, we provide e-statements that give you an easy way to manage your account statements without the clutter of paper. Plus, if you need to send money quickly, our person-to-person transfers let you send funds to friends or family with ease.

Security and Accessibility

Your security is paramount at Esl. We ensure that all transactions are protected with robust security measures so you can bank confidently online. Although we currently do not offer electronic signature authorization, rest assured that our systems are designed to keep your information safe. In this fast-paced world, we want banking to be as easy as possible for you. That's why all of our services are user-friendly and accessible, making real-time account management a breeze. Whether you're checking balances or making payments, you'll find everything you need right at your fingertips. Explore all that digital banking has to offer by visiting us online today at https://www.esl.org/ !

Financial Strength

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

Member Savings Protection

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.

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.

Solid Financial Foundation

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.

Trusted Partnership

Net Shares (Funds available for lending and investments): $23,523,734. Total Share Accounts: 917,970, showing a strong and growing member base that trusts us with their finances. 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 215 Merchants Rd Rochester Ny 14609 or call (585) 336-1000 to learn more about how we can help you achieve your financial goals.

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 brand-new vehicle or a reliable pre-owned option, our flexible terms can work for you.

Business Financing

For business owners, our outstanding commercial loans totaling $888,402,746 provide the capital needed to grow and expand your operations. We understand the challenges businesses face and are here to support you every step of the way. At Esl, we believe in making borrowing easy and straightforward. If you're considering refinancing or want to know about eligibility options for any of our products, feel free to reach out. Our team is here to guide you through the process and answer any questions you may have. Feel free to contact us at (585) 336-1000 or visit us at 215 Merchants Rd Rochester Ny 14609 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. Explore how we can assist you today!

Credit Cards and Personal Loans

For those looking to manage everyday expenses or consolidate debt, we also provide unsecured credit card loans with a total of $171,194,910 in loans helping members manage their finances effectively. Our credit cards come with flexible terms that can fit your lifestyle.

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 also offer competitive rates that can help lower your monthly payments and make homeownership more accessible.

Loan Aggregator

Accurate Loan 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 ensures that the offers you see are both fair and transparent. You can trust that each comparison reflects the most current rates available in the market.

Benefits of Using LendMesh

- Verified Data: Loan offers come exclusively from legitimate financial institutions, ensuring transparency in your options. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. Our mission is to provide you with unbiased results. - Real-Time Rate Comparisons: Access up-to-date loan rates from various institutions to help you make well-informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness and reliability of our service. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

ESL FEDERAL CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans