Esl Rochester NY Credit Union | Affordable Vehicle Loans & Checking

Introduction

Welcome to Esl, your trusted financial partner located at 3169 Chili Ave, Rochester, NY 14624. Since our establishment in 1995, we have been dedicated to serving our community with a commitment to excellence and member satisfaction. With over 450,642 members benefiting from our services, we are proud to be a cornerstone of financial support in the area. At Esl, we believe in empowering our members through a wide range of financial products tailored to meet individual needs. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans, mortgages, or business financing, we are here to help you every step of the way. Our total assets now stand at an impressive $9,589,555,760, and we maintain robust financial health with total deposits reaching $26,736,310 and a net worth of $1,581,486,953. Our leadership team is committed to fostering a supportive environment for all members. Under the guidance of CEO Faheem Masood and Board President Diana Nole, our talented staff of 932 employees works diligently to ensure that your banking experience is seamless and rewarding. We take pride in offering convenient services including online banking and mobile payments, along with a welcoming atmosphere at our branch. While members can visit us at our Chili Avenue location for their banking needs, feel free to explore more about us online at Esl's website. If you have any questions or need assistance, don't hesitate to reach out by calling us at 585-336-1000. Come join us today and experience the difference of being part of Esl!

Branch History & Mission

Commitment to Innovation

As technology continues to advance, so do we. Our commitment includes not only providing traditional banking services but also adapting to modern needs through digital advancements. From online account management to mobile payments, we ensure that your banking experience is both efficient and user-friendly.

Join Us Today!

At Esl, we invite you to be part of something special. Experience personalized service, robust financial products, and a dedication to community growth by becoming a member today. Together, let's build a brighter future for everyone in Rochester and beyond! Visit our website here or learn more about membership eligibility here.

Our Mission

Our mission is simple yet profound: to empower our members through exceptional financial services while making a positive impact in the community. We strive to provide tailored solutions such as personal banking, auto loans, mortgages, and credit cards with rewards that cater to your unique lifestyle. At the same time, we actively engage in community outreach programs, ensuring that we give back to those who support us. Whether you're visiting us at our branch or accessing our online services from home, we ensure you have everything you need at your fingertips. We offer convenient options like mobile banking and ATMs available on-site for easy access to your funds. Additionally, our drive-thru service allows you to conduct simple transactions without leaving your vehicle. While members can visit us at 3169 Chili Ave, official correspondence should be sent to our mailing address if applicable. You can always reach out to us at (585) 336-1000 for assistance or inquiries.

Branch Location & Accessibility

Convenient Access

At our Esl branch, we prioritize your convenience. Parking is ample and easily accessible, ensuring you can visit us without hassle. We also take accessibility seriously; our facility complies with ADA standards, featuring ramps and other accommodations for all members of the community.

More Than Just Banking

Whether you're looking to set up personal checking or savings accounts, explore auto loans or mortgage options, or find the right credit card with rewards tailored to your spending habits, our knowledgeable staff is here to guide you every step of the way. Plus, enjoy access to online and mobile banking services that make managing your finances easier than ever. We invite you to visit us at Esl on Chili Ave today! If you have any questions or would like more information about our services, don't hesitate to give us a call at 585-336-1000. We look forward to serving you!

Welcoming Operating Hours

We're here for you during flexible hours that fit your busy lifestyle! Our lobby is open Monday through Thursday from 9 AM to 5 PM, Tuesday until 4 PM, and Friday until 6 PM. For those quick transactions, our drive-thru service provides a fast and efficient way to manage deposits and withdrawals without leaving your vehicle. If you need cash outside of lobby hours, our ATM is available for your convenience too!

Member Eligibility

At Esl, we believe that becoming a member means joining a welcoming community that genuinely cares about your financial well-being. If you're looking to take advantage of our great services, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in the areas we serve. This makes it easy for many people to become part of our family! Plus, once you join us, you'll gain access to an array of benefits such as competitive loan rates and personalized banking solutions tailored just for you. To get started, simply visit us at our branch located at 3169 Chili Ave Rochester Ny 14624 or give us a call at (585) 336-1000. For more details on eligibility requirements and the latest updates, feel free to check out our membership page at https://www.esl.org/about-us/esl-membership . We're excited to help you open your account and start your journey with us! You can find guidance on opening an account at https://lpl.vids.io/videos/ac9adbb11a18e3c725/getting-started-with-the-new-account-view . Joining Esl is not just about banking; it's about being part of a community that looks out for each other.

Business Banking & Commercial Services

Financing Your Vision

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.

Simplifying Transactions

In addition to our loan offerings, we provide robust merchant services that make transactions easy for you. Whether you're running a small shop or a large enterprise, our tools can streamline payments, manage cash flow, and enhance customer experiences. Picture this: a customer pays effortlessly with just a tap on their phone while you focus on what really matters growing your business. Visit us at 3169 Chili Ave Rochester Ny 14624 in Rochester, NY to learn how we can partner with you in your journey to success!

Comprehensive List Of Services

Business Banking Essentials

If you're a small business owner, we offer specialized business banking services, including merchant services and business loans. We know how critical cash flow is for your operations, so we work hard to provide solutions that help your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking features that let you manage your accounts anytime, anywhere. From checking balances to making transfers, everything is just a click away. Need cash? Our ATM and cash withdrawal services ensure you're never far from accessing your funds.

Drive-Thru and ATM Services

For those quick transactions, take advantage of our basic drive-thru banking where you can handle deposits, withdrawals, and simple transactions without leaving your car. And with basic ATM access available for withdrawals and balance checks, banking has never been easier. At Esl, we're committed to making banking straightforward and accessible for everyone in Rochester. Come visit us at 3169 Chili Ave Rochester Ny 14624 or call us at (585) 336-1000 to learn more about how we can support your financial journey today!

Home Financing Made Easy

Thinking about buying a home? Our mortgage loans and refinancing options provide flexible terms and low rates, making homeownership within reach. Whether you're a first-time buyer or looking to refinance an existing mortgage, our experienced staff will guide you through the process, ensuring you feel confident and informed.

Loans That Fit Your Needs

For unexpected expenses or planned purchases, our personal loans and debt consolidation options can be invaluable. These loans can help simplify your finances by consolidating high-interest debts into one manageable payment. Plus, our credit cards come with rewarding features that allow you to earn points on everyday purchases turning spending into rewards!

Personal Banking Solutions

We understand that managing personal finances can be overwhelming. That's why we offer personal banking services like checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds while enjoying competitive interest rates that help your savings grow over time. Our auto loans and vehicle financing options make it simple to drive away in your dream car without breaking the bank.

Digital & Online Banking

Convenient Features for Everyday Use

We also offer several convenient features to make banking even easier. Need to send money to a friend? Our person-to-person transfer service allows you to quickly and securely send funds without hassle. Additionally, you can enroll in e-statements for quick access to your account statements without the clutter of paper.

Easy Access to Your Accounts

Our online banking service at https://www.esl.org/ lets you check balances, transfer funds, and pay bills with just a few clicks. You have 24/7 access to your accounts, meaning you can handle your banking needs whenever it suits you. Plus, if you're on the go, our mobile application brings all these features right to your fingertips.

Mobile Payments Made Simple

If you're looking for a way to simplify payments, our mobile payments feature lets you make purchases directly from your phone. It's fast and convenient for those times when you're out and about. In summary, whether you're managing daily expenses or planning for the future, our digital banking services at Esl are designed with you in mind. Explore all that we have to offer today by visiting us at https://www.esl.org/ !

Security You Can Trust

When it comes to managing your money online, security is a top priority. Our systems are built with robust security measures to keep your information safe. While we do not currently offer electronic signature authorization, you can rest assured that every transaction is protected.

Financial Strength

A Solid 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.

Growing Together

Total Share Accounts stand at 917,970, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $23,523,734, reflecting our focus on 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 3169 Chili Ave Rochester Ny 14624 or call (585) 336-1000 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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 commitment to 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.

Reinvesting for Your Benefit

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

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, we have options tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $888,402,746 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to invest in existing operations, our loan specialists are ready to assist you through the process. At Esl, we prioritize transparency and member satisfaction. Our team is here to help you navigate your borrowing options and find the best solution for your financial situation. For more information about eligibility requirements and how to apply for any of our loan products, please visit our website at https://www.esl.org/ or give us a call at (585) 336-1000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're committed to supporting our members with responsible lending practices tailored to individual needs.

Credit Lines and Unsecured Loans

For those needing extra flexibility, our credit lines amounting to $4,921,781,225 provide convenient access to funds when you need them most. Additionally, 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.

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 flexible terms to help you secure your dream home. Refinancing options are also available if you're looking to adjust your current mortgage for better rates or terms.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced 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: You get up-to-date loan rates from multiple institutions, helping you make informed decisions quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the effectiveness and reliability of our platform. 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.

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 means that every offer you see is built on a foundation of fairness and transparency. You can trust that the rates are not only competitive but also compliant with established regulations.

ESL FEDERAL CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans