Esl Rochester NY Credit Union | Credit Cards with Rewards & Business Banking

Introduction

Welcome to Esl, your trusted financial partner located at 745 Long Pond Rd, Rochester, NY 14612. Established in 1995, we have grown to serve a thriving community of over 450,000 members. With total assets reaching an impressive $9,589,555,760, we are committed to providing reliable banking solutions tailored to your needs. At Esl, we understand that every member's financial journey is unique. That's why our dedicated team of over 900 employees works tirelessly to deliver personalized services ranging from checking and savings accounts to auto loans and mortgages. Our CEO, Faheem Masood, alongside our Board President, Diana Nole, leads a passionate team focused on enhancing your banking experience. While you can conveniently visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 745 Long Pond Rd, Rochester, NY 14612. With total deposits of $26,736,310 and net worth amounting to $1,581,486,953, Esl stands strong as a beacon of trust in the community. Our commitment extends beyond numbers; we strive to foster a sense of belonging and support among our members. Whether you're looking for competitive loan rates or friendly advice on financial planning, we're here for you every step of the way. Ready to take control of your finances? Don't hesitate! Call us today at 585-336-1000 or visit our website at esl.org to learn more about how we can help you achieve your financial goals.

Branch History & Mission

Welcome to Esl, where our journey began in 1995 in the vibrant community of Rochester, NY. Since opening our doors at 745 Long Pond Rd, we have dedicated ourselves to serving the financial needs of our members and enhancing the lives of those around us. With a rich history spanning nearly three decades, Esl has grown from a small credit union into a trusted financial partner for over 450,000 members. Our mission is simple yet powerful: to provide accessible and affordable financial services while supporting our community's growth and well-being. We believe that everyone deserves the chance to achieve their financial goals, and we strive to make that possible through personalized service and a wide range of offerings. From checking and savings accounts to auto loans and mortgages, we are here for you every step of the way. At Esl, we take pride in not just being a financial institution but also an integral part of the Rochester community. Our commitment extends beyond banking; we actively engage in outreach programs that uplift local organizations and initiatives. We work hand-in-hand with our members to ensure that their success translates into community prosperity. As technology continues to advance, we have embraced digital banking options while maintaining accessibility for all our members. Our physical branch offers essential services like drive-thru banking and ATM access, ensuring convenience for those who prefer face-to-face interactions or quick transactions on the go. Our operating hours are designed to fit your busy schedule: 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. While you can always visit us at our branch location, official correspondence should be sent to our mailing address at 745 Long Pond Rd, Rochester, NY 14612. If you have any questions or need assistance, feel free to reach out at 585-336-1000 we're here for you! Esl boasts total assets exceeding $9.5 billion, reflecting our stability and commitment to serving our members effectively. As we continue on this journey together, we invite you to join us. Experience firsthand how Esl can help you navigate your financial future while making a positive impact on our community. Together with you, we aim not only for individual success but also for collective growth. Join Esl today and become part of something bigger a thriving community focused on building a brighter tomorrow!

Branch Location & Accessibility

Call Us or Visit Today!

Have questions or need assistance? Don't hesitate to reach out! You can give us a call at 585-336-1000 for more information about our services or any other inquiries. We invite you to visit us at Esl today your financial journey starts here!

Easy Access and Nearby Landmarks

Our branch is situated close to popular landmarks, making it a familiar stop for many in the community. If you're coming from the nearby shopping centers or local parks, you'll find us just around the corner. We have ample parking available for our members, ensuring that your visit is as stress-free as possible. Additionally, our facility complies with ADA standards, featuring ramps and accessible entrances so everyone can enjoy our services.

Operating Hours and Services

We understand that life can get busy, which is why we offer flexible hours to accommodate your schedule. You can visit us Monday through Friday, with extended hours on Fridays for those who need a bit more time. On Saturdays, we're open until early afternoon to assist you with any last-minute banking needs. At Esl, we offer a range of services tailored to meet the diverse needs of our members. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, our drive-thru service allows for quick transactions without leaving your vehicle perfect for when you're on the go!

Member Eligibility

At Esl, we believe that everyone deserves a supportive financial community, and joining us is easier than you might think! If you live, work, worship, or attend school in the Rochester area, or if you have a family member who is already a member, you're likely eligible to become part of our growing family. We welcome individuals from all walks of life because we know diversity strengthens our community. By becoming a member at Esl, you gain access to a variety of financial products and services designed to help you achieve your goals whether that's saving for a dream vacation or securing a loan for your first home. To learn more about specific eligibility criteria, feel free to check out this detailed resource: Membership Eligibility. And when you're ready to open an account, we've made that easy too! Just visit Account Opening for all the steps you'll need. If you have any questions, don't hesitate to give us a call at (585) 336-1000. We're excited to welcome you to Esl located at 745 Long Pond Rd Rochester Ny 14612!

Business Banking & Commercial Services

Loan Options That Fuel 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

Imagine having the tools you need to streamline your payment processes and enhance customer satisfaction. Our merchant services allow you to accept payments easily, whether in-store or online. This means more convenience for your customers and a smoother operation for you. If you're ready to take your business to the next level, visit us at 745 Long Pond Rd Rochester Ny 14612, Rochester, NY. We're here to help turn your vision into reality!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll appreciate our tailored solutions in business banking. From merchant services that help you process transactions smoothly to business loans aimed at growing your enterprise, we stand by you as a partner in success.

Convenient Access

At Esl, convenience is key. With our ATM and cash withdrawal services, accessing your money is simple and quick. Need to make a deposit or conduct basic transactions? Our drive-thru banking service allows you to do just that without leaving your car. Our branch is open during convenient hours: Monday through Friday, making it easier than ever to get the assistance you need when it works best for you. To explore all these services further or if you have any questions, feel free to reach us at (585) 336-1000 or visit our website at https://www.esl.org/ . We're here to help you achieve your financial goals!

Credit Cards with Rewards

For those who love earning rewards, our credit cards come with great benefits. Use them for everyday purchases and watch as points accumulate towards exciting rewards. It's an easy way to make the most of your spending while enjoying the benefits of responsible credit use.

Loans and Financing

When it comes to financing major purchases or consolidating debt, we've got you covered. Our auto loans provide competitive rates for those looking to buy a new or used vehicle. If you're considering home ownership or refinancing your current mortgage, our mortgage loans can help make that dream a reality. We also offer personal loans for those unexpected expenses or projects that need funding right away.

Personal Banking

We understand that personal banking is essential for managing your finances effectively. That's why we offer various options including checking and savings accounts designed to help you save and grow your money. Imagine having the flexibility to access your funds anytime through our robust online and mobile banking platforms. You can check balances, transfer funds, and even pay bills with ease, all from the comfort of your home.

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, pay bills, and transfer money all with just a few clicks. Plus, you can take advantage of e-statements, which are not only eco-friendly but also provide a convenient way to keep track of your account activity without the clutter of paper statements. If you're looking for quick transactions, our person-to-person transfer feature makes sending money to friends and family as easy as sending a text.

Mobile Accessibility

For those who prefer banking on their mobile devices, our user-friendly mobile application is here for you. Whether you want to make payments using mobile payments or check your balance while on the move, our app ensures that all your banking needs are at your fingertips. With everything from deposits to instant notifications about your account activity, staying connected has never been easier.

Security You Can Trust

At Esl, security is a top priority. Our online services include advanced security measures to protect your personal information and transactions. While we do not currently offer electronic signature authorization, rest assured that your data remains safe as you manage your accounts digitally. In summary, our digital and online banking services at Esl are all about convenience and peace of mind. Explore these features today by visiting https://www.esl.org/ your banking experience will never be the same!

Financial Strength

Commitment to 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. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

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. The total share accounts stand at 917,970, showcasing 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 745 Long Pond Rd Rochester Ny 14612 or call (585) 336-1000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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. This robust net worth reflects our commitment to responsible management and growth. Our net worth ratio of $1,649 demonstrates a solid capital foundation. This means 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. We make it easy for you to get behind the wheel with competitive rates and flexible terms tailored just for you.

Business Solutions

For business owners, our outstanding commercial loans totaling $888,402,746 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your current business, we're here to support your ambitions. At Esl, our goal is to empower our members with accessible financing options while providing personalized service. For more information on how we can assist you in achieving your financial objectives, feel free to reach out at (585) 336-1000 or visit us at 745 Long Pond Rd Rochester Ny 14612 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.

Credit Cards and Personal 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. Our credit card options come with rewards programs that can benefit your everyday spending.

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're here to guide you through the process and help you find the right mortgage solution for your budget and lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With an emphasis on transparency and reliability, LendMesh serves as a trusted tool to help you navigate your loan options effectively. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified data means that users receive fair and transparent offers tailored to their needs. The benefits of using LendMesh are clear: - Verified Data: Loan offers come only from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how valuable our service can be for individuals seeking the best possible financial outcomes. 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