Esl Victor NY Credit Union | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Esl, your trusted financial partner located at 200 Cobblestone Court Dr, Victor, NY 14564. Established in 1995, we have grown to serve a vibrant community of over 450,000 members. With total assets exceeding $9.5 billion and a net worth of $1.58 billion, our credit union stands strong in its commitment to enhancing the financial well-being of our members. At Esl, we believe in empowering you with the tools and resources necessary for your financial journey. From personal banking services like checking and savings accounts to auto loans, mortgage financing, and business banking options, we cater to diverse needs. Our total loans amount to an impressive 291,481, demonstrating our dedication to supporting our members' aspirations. Our leadership team is committed to fostering a member-centric environment. Under the guidance of CEO Faheem Masood and Board President Diana Nole, we prioritize transparency and trust in all our dealings. With a dedicated staff of 932 employees, we are here to assist you every step of the way. For any official correspondence, please note that our mailing address remains the same as our branch address: 200 Cobblestone Court Dr, Victor, NY 14564. We invite you to explore more about what Esl can offer by visiting our website at www.esl.org or giving us a call at 585-336-1000. Whether you're looking for a new loan or simply want to ask a question about your account, we're ready to help!

Branch History & Mission

Community Connections

Our connection with the community goes beyond numbers. We actively engage in outreach efforts and partnerships that benefit local organizations and initiatives. We understand that a strong community leads to strong members, and we take pride in contributing to local causes, events, and educational programs. While you can visit us at 200 Cobblestone Court Dr Victor Ny 14564, official correspondence should be sent to our mailing address: 200 Cobblestone Court Dr, Victor, NY 14564 if it differs from your visit location. You can reach us at (585) 336-1000 during our operating hours: M 9 - 5, T 9 - 4, W 9 - 4, T 9 - 5, F 9 - 6, S 9 - 1:30.

Modern Banking Experience

In today's fast-paced world, we have embraced technology while maintaining a personal touch. With features like online banking, mobile payments, and ATM access available at our branch and yes, we also offer drive-thru banking we make it easy for you to manage your finances whenever you need. Join us on this journey! At Esl, we invite you to become part of something bigger than just banking experience the difference of a credit union committed to its members and community. Together, let's build a brighter financial future!

Our Journey

From humble beginnings, Esl has grown significantly over the years. We started with a simple mission: to provide accessible financial services that empower individuals and families. As we evolved, so did our services, expanding from basic banking to include auto loans, mortgages, personal loans, and business banking solutions. Each milestone reflects our commitment to meeting the diverse needs of our members while fostering financial literacy and security.

Our Mission

At Esl, our mission is clear: we strive to enhance the financial well-being of every member in our community. We believe that everyone deserves access to quality financial services that help them achieve their goals. Our team is dedicated not only to offering great products but also to providing exceptional support and resources. Whether you need assistance with online banking or advice on loans, we are here for you.

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance before your visit, feel free to give us a call at (585) 336-1000. We're eager to help! While members can visit us at 200 Cobblestone Court Dr Victor Ny 14564, official correspondence should be sent to 200 Cobblestone Court Dr, Victor, NY 14564. Stop by today and discover how we can support your financial journey!

Nearby Landmarks and Accessibility

You can easily find us near popular spots like [insert nearby landmark or shopping center], making us a convenient stop during your day. With ample parking available right outside, accessing our branch is hassle-free. We are proud to offer ADA-compliant features, including ramps, so everyone can visit us comfortably.

Operating Hours and Services

We understand that life can be busy, which is why our operating hours are tailored for you. Join us Monday through Thursday from 9 AM to 5 PM, Tuesday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1:30 PM. Our friendly staff is here ready to assist you with a range of services including personal banking, auto loans, mortgages, and credit cards all designed to help you achieve your financial goals. For those on-the-go, we have an ATM available for cash withdrawals and balance checks. If you prefer face-to-face interactions but want the ease of drive-thru service, we've got that too!

Member Eligibility

At Esl, we believe that becoming a member is like joining a close-knit community where your financial well-being is our top priority. If you're wondering whether you qualify, the good news is that many individuals can join us! Generally, if you live, work, or attend school in our area, you're likely eligible for membership. There are also options available for family members of current members, making it easy to share the benefits of being part of our cooperative. To get all the details about eligibility, feel free to check out our dedicated page at https://www.esl.org/about-us/esl-membership . Joining Esl opens the door to a variety of services designed with you in mind whether it's personal banking, loans, or convenient online access. The process to become a member is straightforward and welcoming; you can start by visiting us at 200 Cobblestone Court Dr Victor Ny 14564 or calling us at (585) 336-1000 for assistance. Ready to take the first step? You can find more information on how to open your account here: https://lpl.vids.io/videos/ac9adbb11a18e3c725/getting-started-with-the-new-account-view . We can't wait to welcome you!

Business Banking & Commercial Services

Commercial Loans 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 That Make a Difference

Imagine running your business smoothly with reliable payment solutions. Our merchant services empower you to accept payments easily, providing your customers with options they appreciate. Whether it's credit card processing or online payments, we make it simple so you can focus on what matters most growing your business. Located at 200 Cobblestone Court Dr Victor Ny 14564, in beautiful Victor, NY, we are here to support your entrepreneurial journey. Let's work together to build a brighter future for your business! For more information, call us at (585) 336-1000 or visit our website at https://www.esl.org/ .

Comprehensive List Of Services

Business Banking Solutions

For our business members, we understand the importance of reliable financial support. Our Business Banking services include merchant services and business loans that can help you grow your enterprise. We're committed to helping local businesses thrive by providing tailored solutions that fit their unique needs.

Convenient Access

At Esl, we believe banking should be convenient. That's why we offer Online & Mobile Banking, allowing you to manage your finances on-the-go. Our ATM & Cash Withdrawal Services make accessing cash easy at any time. If you prefer face-to-face interactions for deposits or withdrawals, our Drive-Thru Banking is available for quick and simple transactions without leaving your vehicle. We also provide basic ATM access for balance checks and cash withdrawals so that you can have peace of mind knowing that your funds are always within reach. With operating hours designed for your convenience Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1:30 PM you can visit us when it fits your schedule best.

Get Started Today!

Ready to experience all that Esl has to offer? Give us a call at (585) 336-1000 or visit us online at Cobblestone Court for more information about opening an account or applying for a loan. Your financial journey starts here!

Lending Options

In addition to auto and mortgage loans, we offer Personal Loans & Debt Consolidation options designed to help manage unexpected expenses or consolidate debt into one manageable payment. And for those who want to earn while they spend, our Credit Cards with Rewards program provides benefits on everyday purchases.

Personal Banking Services

For those looking to manage their everyday finances, we offer Personal Banking options including checking and savings accounts that cater to various preferences. You can easily access your accounts online or through our mobile banking app, making it simple to check balances, transfer funds, or pay bills from anywhere. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options are tailored for you. With competitive rates and flexible terms, getting behind the wheel has never been easier. Plus, if you're planning to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services will guide you through the process with personalized support.

Digital & Online Banking

Key Features

One of the standout features is our mobile application. This user-friendly app lets you manage your accounts right from your smartphone. You can even make mobile payments effortlessly, allowing you to shop without the hassle of carrying cash or cards. Plus, if you ever need to send money to friends or family quickly, our person-to-person transfer option makes it easy. For those who prefer paperless statements, we offer e-statements that allow you to view your account activity securely online. This not only saves trees but also helps keep your financial records organized and easily accessible. While we currently do not support electronic signature authorization for transactions, our other features ensure a streamlined banking experience.

Security You Can Trust

Security is a top priority at Esl. Our online banking systems utilize advanced security measures to protect your personal information and transactions. You can feel confident knowing that your data is safeguarded as you navigate through your accounts. In summary, whether you're using our website or mobile app, Esl offers a comprehensive digital banking experience tailored to fit your lifestyle. Enjoy the freedom of real-time account management and let us help simplify your banking needs today!

Financial Strength

Commitment to Service

Our operational efficiency is reflected in our net income of $0, showing that we are dedicated to keeping costs low for our members while continuing to enhance our offerings. With 897 full-time employees and 35 part-time employees, we ensure that our branches are always ready to serve you with a knowledgeable and committed team.

Continuous Investment in Growth

With $1,581,486,953 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This means you can count on us for the latest financial products designed with your needs in mind.

Growing Member Trust

We proudly serve a strong community of 917,970 total share accounts, demonstrating the trust our members place in us with their finances. Our focus remains steadfast on providing exceptional service tailored to 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 200 Cobblestone Court Dr Victor NY 14564 or call 585-336-1000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Lending Capacity

Our commitment to supporting your financial goals is evident through our lending capacity. We have $57,066 in used auto loans and a total of $4,178,813,711 in loans and leases available to help you achieve your dreams whether it's buying a new vehicle or financing a personal project.

Member-Centric Savings

Your savings are secure with us. We hold $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.

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 1649 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 also provide refinancing options if you're looking to lower your monthly payments or save on interest.

Business Loans

For business owners, our outstanding commercial loans totaling $888,402,746 provide the capital needed to grow and expand. We know how important it is to have reliable support when running a business, and we're here to assist you every step of the way.

Contact Us

If you have questions about our loan offerings or want to explore eligibility options, don't hesitate to reach out! You can call us at (585) 336-1000 or visit us at 200 Cobblestone Court Dr Victor Ny 14564, Victor, 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. We look forward to helping you achieve your financial aspirations!

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 every step of the process, ensuring you find the right fit for your financial plans.

Unsecured Credit Card 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. This option can be ideal for those looking to consolidate debt or make purchases without tying up cash flow.

Loan Aggregator

Benefits of Using LendMesh

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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 users receive fair and transparent offers tailored to their needs. By relying on verified financial institutions, LendMesh guarantees that the information presented is accurate and trustworthy.

ESL FEDERAL CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans