Esl Rochester NY Credit Union | Affordable Personal Loans & Checking

Introduction

Welcome to Esl, your trusted financial partner located at 2256 Hudson Ave, Rochester, NY 14617. Since our establishment in 1995, we have been dedicated to providing exceptional service and support to our community. With a robust membership of 450,642 individuals and total assets reaching an impressive $9,589,555,760, Esl stands as a pillar of stability and trust in the financial landscape. At Esl, we believe that everyone deserves access to quality financial services tailored to their needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage financing, we've got you covered. Our members enjoy the benefits of over $26,736,310 in deposits and can take advantage of a wide range of loan options totaling 291,481 available loans and leases. While members can visit us at our branch location on Hudson Avenue, official correspondence should be sent to the same address: 2256 Hudson Avenue, Rochester, NY 14617. Our commitment to excellent customer service is reflected in our dedicated team of 932 employees, led by CEO Faheem Masood and Board President Diana Nole. Together, they ensure that Esl remains focused on meeting the needs of our community with transparency and integrity. With a net worth of $1,581,486,953 and cash reserves amounting to $76,955,654, we are well-positioned to help you achieve your financial goals. As part of our commitment to innovation and convenience, we offer online banking services along with mobile payment options for easy access to your accounts anytime. We invite you to connect with us today! Whether you prefer visiting our branch or giving us a call at 585-336-1000, our friendly staff is here to assist you. Discover how Esl can make a positive impact on your financial journey. For more information about our services or to explore membership opportunities, please visit our website at https://www.esl.org/ . Let's build a brighter financial future together!

Branch History & Mission

Join Us!

We invite you to become part of the Esl family. Experience the difference that comes from being part of a community-focused credit union where your needs are prioritized. With operating hours tailored for your convenience Monday through Friday from 9 am to 5 pm (and extended hours on Fridays until 6 pm) we're ready when you are. If you're looking for personalized service combined with comprehensive financial solutions such as checking accounts, auto loans, mortgages, and more look no further than Esl. Call us today at 585-336-1000 or visit us online at esl.org to learn how you can join and benefit from what we offer. Together, let's build a brighter financial future!

Our Journey

Esl began as a small credit union with a big vision: to empower individuals and families through accessible financial solutions. Our commitment to excellence has fueled our growth and allowed us to adapt to the changing needs of our community. We have continually embraced technology to enhance member experiences, offering online banking, mobile payments, and e-statements that make managing finances easier than ever. As we evolved, we also recognized the importance of physical accessibility. Our branch is fully ADA compliant and features both drive-thru banking and ATM services for added convenience. Whether you need quick access to your account or wish to speak with one of our knowledgeable team members, we are here for you.

Our Mission

At Esl, our mission goes beyond providing financial products; we aim to create positive impacts within our community. We believe that by supporting local initiatives and partnering with organizations that serve those in need, we can help make Rochester a better place for everyone. Our team is passionate about giving back through various outreach programs and events designed to uplift our neighbors. While members can visit us at 2256 Hudson Ave for all their banking needs, official correspondence should be sent to our mailing address: 2256 Hudson Avenue, Rochester, NY 14617.

Branch Location & Accessibility

Call-to-Action

We invite you to come by our Esl branch at Hudson today! Whether you have questions or want to open an account, our dedicated team is ready to help. Feel free to give us a call at 585-336-1000 if you'd like more information before visiting. We look forward to serving you!

Nearby Landmarks and Accessibility

You'll find us just a short drive from popular spots like Irondequoit Bay and the beautiful Durand Eastman Park. We're proud to offer accessible features, including ADA-compliant entrances and ramps, ensuring everyone can visit us with ease. Plus, ample parking is available right outside our doors for your convenience.

Operating Hours

We know your time is valuable, which is why we've designed our operating hours to fit your busy schedule. You can visit us on Monday, Thursday, and Friday from 9 AM to 5 PM; on Tuesday and Wednesday from 9 AM to 4 PM; and on Saturday from 9 AM until 1:30 PM. If you prefer banking from your car, we also have drive-thru services available during select hours.

Services Offered

At Esl, we strive to provide a wide range of banking services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is here to assist you. We also offer credit cards with rewards and business banking options if you're looking for financial solutions for your business. Don't forget about our ATM services for quick cash withdrawals and balance checks!

Member Eligibility

Joining the Esl community is like stepping into a family where your financial well-being is our top priority. To become a member at our welcoming branch located at 2256 Hudson Ave Rochester Ny 14617, you simply need to meet a few friendly eligibility criteria. If you live, work, or worship in the area, or if you have family members who are already part of our credit union, you're likely already qualified! Membership opens doors to a variety of benefits, from competitive loan rates to personalized service that puts your needs first. Getting started is easy! You can find all the detailed eligibility requirements by visiting this link. When you're ready to open your account and enjoy everything we offer, check out the straightforward process outlined here. If you have any questions, feel free to give us a call at (585) 336-1000. We're excited to welcome you into the Esl family!

Business Banking & Commercial Services

Loan Options for 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.

Merchant Services Made Easy

Imagine running your business smoothly, with easy payment solutions that keep your cash flow healthy. Our merchant services provide just that. From accepting credit card payments to offering point-of-sale systems, we simplify transactions so you can focus on what matters most growing your business. If you're looking for reliable financial support in Rochester, NY, visit us at 2256 Hudson Ave Rochester Ny 14617 or call us at (585) 336-1000. Let's work together to unlock the potential of your business!

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, our Business Banking services include Merchant Services & Business Loans, allowing you to focus on what matters most growing your business. We understand that each business has different needs, and we're here to help you navigate those requirements effectively.

Convenient Service Options

At Esl, we strive to offer convenience through basic banking services as well. Our Drive-Thru Banking allows for quick deposits and withdrawals without leaving your car perfect for busy days when time is tight. And for those who prefer self-service options, our ATMs provide easy access for withdrawals and balance checks. We invite you to experience all that Esl has to offer! If you have any questions or would like more information about any of our services, don't hesitate to reach out at (585) 336-1000. Join us today and take the first step towards better financial health!

Credit Options

To further enhance your financial flexibility, we also provide Credit Cards with Rewards. Enjoy benefits while making everyday purchases, helping you earn rewards that can be redeemed for travel, cash back, or gifts.

Digital Access

In today's fast-paced world, having access to your finances anytime is crucial. Our Online & Mobile Banking platforms allow you to manage your accounts from anywhere with ease. Whether you're checking balances, transferring money, or paying bills, everything is just a click away. Plus, with our ATM & Cash Withdrawal Services available at various locations, accessing cash has never been easier.

Loans and Financing

Looking to buy a car or need assistance with your home? Our Auto Loans & Vehicle Financing can help get you on the road quickly and affordably. If you're thinking about purchasing a home, our Mortgage Loans & Refinancing options provide competitive rates and flexible terms tailored to fit your budget. For those unexpected expenses or larger purchases, our Personal Loans & Debt Consolidation services can offer the support you need without added stress.

Personal Banking

When it comes to managing your money, we offer a variety of personal banking options. Our Checking & Savings Accounts make it easy for you to handle day-to-day expenses or save for future plans. Whether you're saving for a vacation or just want a secure place for your funds, we have the right account for you.

Digital & Online Banking

Key Services

With just a few clicks at https://www.esl.org/ , you can access our 24/7 online banking services. Whether you want to check your balance, pay bills, or transfer funds, everything is at your fingertips. Our user-friendly interface ensures that even the least tech-savvy among us can navigate through ease. You'll appreciate our e-statements feature, which allows you to receive your account statements electronically. This not only helps the environment but also gives you quick access to your financial records without the clutter of paper statements. And if you're someone who enjoys the flexibility of making payments on-the-go, you'll love our mobile payments option. It's quick, secure, and perfect for those everyday transactions.

Stay Connected

For members who prefer managing their accounts on their smartphones, our mobile application is available for download. It puts all the essential banking features in your pocket making it easy to check balances, deposit checks, and make person-to-person transfers with just a tap. Security is paramount in today's digital world. At Esl, we prioritize your safety with robust security measures in place to protect your data and transactions. Although we do not currently offer electronic signature authorization, our commitment to safeguarding your information remains steadfast. Whether you're at home or out and about, Esl makes banking accessible and straightforward. Embrace the ease of modern banking with us today!

Financial Strength

Growing Member Base

Total Share Accounts stand at 917,970, showcasing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments) amount to $23,523,734, further underlining our commitment to supporting your needs. 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 2256 Hudson Ave Rochester Ny 14617 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.

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.

Reinvestment for 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. Additionally, with $57,066 in used auto loans and $4,178,813,711 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

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. We provide flexible terms and competitive interest rates to ensure you can drive away with confidence.

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 work closely with our members to find the best solutions for their housing needs.

Refinancing and Eligibility Options

We also offer refinancing options for those looking to lower their monthly payments or access cash through equity in their homes. To learn more about eligibility and how we can help you refinance your existing loans, please visit our website at https://www.esl.org/. In addition to these offerings, our services extend to personal banking solutions such as checking and savings accounts, debt consolidation loans, and business banking. For any questions or assistance regarding our loan products, feel free to reach out at (585) 336-1000. Our dedicated team is here to support you on your financial journey. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our flexible unsecured credit card loans. With a total of $171,194,910 in loans helping members manage their finances effectively, you can enjoy benefits like rewards programs and low-interest rates that fit your lifestyle.

Loan Aggregator

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ESL FEDERAL CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans