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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
ESL Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
ESL's savings rates are at 0.05%. ESL's Personal Loan Rates are at 9.95%. MonitorBankRates evaluates the financial stability of ESL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.45%. Rates were last updated on 03/26/2026. ESL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ESL? Share your experience about ESL by leaving a review below, or read customer reviews before you decide to use ESL. 
ESL Savings Rates
ESL Checking Rates
ESL Home Equity & HELOC
ESL Credit Card Rates
ESL Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ESL is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather ESL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with ESL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ESL
Website
https://www.esl.org
Address
225 Chestnut St,
Rochester, NY 14604
Phone
585-336-1000
Fax
President
Erin Tolefree
CEO
Faheem Masood
Full-Time Employees
938
Part-Time Employees
32
Branch Locations
25
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.45%
Return on Assets (ROA)
1.0969%
Return on Equity (ROE)
6.5449%
Non-Performing Loans Ratio (NPL)
0.95%
Total Assets
9,896,489,120
Total Amount of Shares and Deposits
5,728,258,198
Total Shares and Deposits < 1 Year
5,674,576,749
Total Shares and Deposits 1 3 Years
53,021,280
Total Shares and Deposits > 3 Years
660,169
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
583,079,058
Total Uninsured Shares and Deposits > $250K (F+J)
583,079,058
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,145,179,140
Total Interest Expense (Sum of items 6 8)
147,619,822
Share Certificates
21,464
Number of Accounts for Share Drafts
290,906
IRA KEOGH Accounts
3,588
Number of Accounts for Regular Shares
530,074
All other shares
7,632
Non Member Deposits
239
Money Market Shares
78,641
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
109,930,107
Total Liabilities
8,456,523,469
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ESLIs ESL a safe place to deposit money?Yes, ESL is considered a safe financial institution. With a Texas Ratio of 2.4519191698476%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does ESL operate?ESL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join ESL?Yes, to access services at ESL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, ESL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, ESL provides members with tools to manage their accounts and build a solid financial history. Does ESL offer online and mobile banking?Most modern institutions like ESL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.esl.org. Current ESL Rates
Retrieved from our database of financial products. Rates subject to change.
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