Esl Rochester NY Credit Union | Low Mortgage Rates & Personal Loans

Introduction

Welcome to Esl, your trusted partner in financial well-being! Located at 2480 Ridgeway Ave, Rochester, NY 14626, our branch has been serving the community since 1995. With a commitment to supporting over 450,000 members, we strive to provide exceptional service and a wide range of financial products tailored to meet your needs. At Esl, we pride ourselves on our impressive financial strength, boasting total assets of $9,589,555,760 and total deposits amounting to $26,736,310. Our net worth stands at an impressive $1,581,486,953, reflecting our stability and ability to serve you better. Whether you're looking for personal banking solutions like checking accounts and auto loans or business services including merchant services and business loans, we have you covered! We are led by our dedicated CEO Faheem Masood and Board President Diana Nole, who ensure that our mission of empowering our members remains at the forefront of everything we do. Our friendly team of 932 employees is here to help you navigate your financial journey with ease. While you can always reach us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 2480 Ridgeway Ave, Rochester, NY 14626. Visit us today or give us a call at (585) 336-1000 to learn more about how Esl can support your financial goals. Together, let's build a brighter future! For more information about our services and membership eligibility, check out our website: esl.org.

Branch History & Mission

Commitment to Community

Esl is more than just a financial institution; we are dedicated to fostering community connections. We actively participate in local outreach programs and partnerships that help improve the quality of life for residents in Rochester and beyond. Our mission extends beyond transactions; we aim to build lasting relationships based on trust and mutual support. With our branch open Monday through Friday, including extended hours on Fridays until 6 PM, we ensure that our members have access to essential banking services when they need them most. Additionally, our drive-thru banking service makes it easy for members to conduct their business efficiently without leaving their vehicles.

Join Us Today!

We invite you to experience everything Esl has to offer. Whether you're looking for a new checking account or financing options for your dream home or vehicle, you will find a welcoming atmosphere where your financial goals are supported every step of the way. Join us today and become part of a community that cares!

Modern Banking Solutions

As technology advances, so do we. Esl embraces digital tools like online banking and mobile payments, ensuring that members can manage their finances easily from anywhere. We also offer ATM access for quick cash withdrawals and balance checks, enhancing convenience for all our customers. While members can visit us at 2480 Ridgeway Ave for all their banking needs, official correspondence should be sent to the same address. Our team is always ready to assist you; feel free to reach out at 585-336-1000 with any questions.

Branch Location & Accessibility

Call to Action

Our dedicated team is ready to help you with everything from personal banking and auto loans to mortgage refinancing and credit card options with rewards. Why not stop by today or give us a call at (585) 336-1000? We look forward to welcoming you into the Esl family!

Convenient Access and Features

At Esl, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and spacious parking areas. If you're in a hurry, take advantage of our drive-thru banking services for quick deposits and withdrawals without leaving your car. Plus, we have an ATM available for those times when you need cash on the go.

Operating Hours

We know that life can be busy! That's why we offer flexible operating hours to accommodate your schedule. You can visit us 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 prefer coming in during the week or on the weekend, we're here to serve you. While members can visit us at 2480 Ridgeway Ave Rochester Ny 14626, official correspondence should be sent to our mailing address at 2480 Ridgeway Ave, Rochester, NY 14626.

Member Eligibility

Welcome to the warm and inviting community at Esl! Becoming a member is simple and open to many, making it easier for you to access a range of financial services designed just for you. If you live, work, worship, or attend school in Monroe County, or if you have a family member who is already part of our credit union, you're eligible to join us. It's that straightforward! By becoming a member at Esl, not only do you gain access to personalized banking services, but you'll also enjoy lower loan rates and higher savings rates compared to traditional banks. To get started on your membership journey, feel free to check out our eligibility details at https://www.esl.org/about-us/esl-membership . We want to ensure that every step is clear and welcoming. If you're ready to open an account or have any questions, don't hesitate to reach out at (585) 336-1000. Join us at our branch located at 2480 Ridgeway Ave Rochester Ny 14626, where we're excited to support your financial goals!

Business Banking & Commercial Services

Business 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. This funding has empowered local entrepreneurs to expand their operations, hire new staff, and invest in vital resources. - With an outstanding commercial loan portfolio of $888,402,746, we continue to drive economic growth by financing new and expanding businesses. These loans have made it possible for companies like yours to seize opportunities when they arise.

Merchant Services

In addition to loans, we provide comprehensive merchant services that simplify transactions for your business. Imagine being able to accept payments easily from customers whether they're paying at your storefront or online. Our merchant services help streamline this process, allowing you to focus on what matters most: serving your customers and growing your brand. Visit us at 2480 Ridgeway Ave Rochester Ny 14626 in Rochester, NY, or call us at (585) 336-1000 to discover how our business banking solutions can support your vision.

Comprehensive List Of Services

Additional Features

For those who prefer using ATMs for their transactions, we provide basic ATM access for withdrawals and balance checks across various locations. Our branch features include friendly staff ready to assist with any inquiries during our operating hours: Monday through Friday from 9 AM 6 PM and Saturday from 9 AM 1:30 PM. At Esl, we believe in making banking easy and accessible for everyone in Rochester and beyond. If you're ready to take the next step in managing your finances or want more information about any of our services, don't hesitate to reach out! Call us at (585) 336-1000 or visit us at https://www.esl.org/ today!

Business Banking Solutions

If you're a business owner, we have specialized offerings just for you. Our Business Banking services, including Merchant Services and Business Loans, are designed to support your entrepreneurial journey. Whether it's financing new equipment or managing cash flow, we've got the tools you need.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases. It's an excellent way to benefit from your spending while managing your finances wisely.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer Online & Mobile Banking, giving you access to your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills with just a few taps on your smartphone. Our ATM & Cash Withdrawal Services ensure that you have easy access to your funds whenever needed. Plus, with basic drive-thru banking options available for deposits and withdrawals at our location, getting assistance is simple and quick.

Personal Banking Services

Whether you're looking to open a checking account for everyday expenses or a savings account to prepare for the future, our personal banking options have you covered. We offer Checking & Savings Accounts tailored to fit various lifestyles and needs, ensuring you can manage your money effectively. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing make it easier than ever to drive off in your dream car. With competitive rates and flexible terms, financing your next vehicle is straightforward with us. Additionally, when it comes to homeownership, our Mortgage Loans & Refinancing options can help turn your dreams into reality or save you money through better rates. For those times when unexpected expenses arise, our Personal Loans & Debt Consolidation services can provide the relief you need. We understand that life can throw curveballs, and we're here to help you navigate them.

Digital & Online Banking

Key Services for Your Convenience

With our 24/7 online banking services, you can access your accounts anytime, anywhere. Check balances, pay bills, and transfer funds without the hassle of waiting in line. Plus, our mobile application makes it simple to manage your money directly from your smartphone. You can even send money to friends and family with just a few taps through our person-to-person transfers feature. For those who prefer paperless statements, we offer e-statements, giving you quick access to your account history while helping the environment. And if you're looking for added convenience, our mobile payments feature allows you to make purchases right from your phone no wallet needed.

Security You Can Trust

We take security seriously at Esl. Our online banking system is designed with robust security measures to keep your information safe. Although we don't currently offer electronic signature authorization, we ensure that all transactions are secure and protected. Managing your finances should be simple and stress-free. With real-time account management and easy-to-use features, you'll have everything you need right at your fingertips. Experience the ease of digital banking today! Visit us at https://www.esl.org/ and discover how we can help simplify your financial life.

Financial Strength

A Committed Team

We take pride in having 897 full-time employees and 35 part-time employees who are dedicated to serving you with knowledge and care. This team ensures that every interaction you have with us is positive and productive.

Conclusion

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 2480 Ridgeway Ave Rochester Ny 14626 or call (585) 336-1000 to learn more about how we can help you achieve your financial goals.

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 capacity to lend is also robust; with $57,066 in used auto loans and $4,178,813,711 in total loans and leases, we support members' financial goals across various sectors.

Secure Savings Opportunities

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. We provide financing solutions that fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $888,402,746 provide the capital needed to grow and expand your business. Whether you're looking to invest in new equipment or need working capital, we are here to support your entrepreneurial journey. Each loan product is designed with you in mind, making it easier than ever to secure the funding you need. We encourage you to explore our eligibility options and see how we can assist 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. Visit us today at 2480 Ridgeway Ave Rochester Ny 14626 or contact us at (585) 336-1000 to learn more about how our loan offerings can work for you!

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 can guide you through various refinancing options as well, ensuring you choose what suits your situation best.

Unsecured Credit Cards

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 cards come with competitive rates and rewards programs that can benefit your everyday spending.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several key reasons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly and easily. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to take control of your borrowing options, 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 ensures that all comparisons are fair and transparent. Each loan offer you see has been verified for accuracy, giving you peace of mind as you explore your options.

ESL FEDERAL CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans