Since its inception in 1995 the ESL FEDERAL CREDIT UNION has been serving it's members in
and around the Rochester, New York area
with exceptional financial products.
Currently led by
David Fiedler,
the ESL FCU has grown it's membership to
over
292,000 with assets of more than
$3,699,530,000.
They have
559 of full time employees
and 36 part time employees
with a
main office and 18 branch offices.
The ESL FEDERAL CREDIT UNION offers it's members a full service website that allows for true
"Banking From Home" functionality. Users have the ability
to apply for loans,
get account balance and history reports,
transfer money between accounts,
make bill payments,
and so much more.
Members can also take advantage of a full array of loans including
real estate,
business
and
new
and used
car loans.
There are also many types of credit cards available.
ESL FEDERAL CREDIT UNION is registered as a Multiple group - primarily chemical type Credit Union. This means that
anyone associated with Multiple groups - primarily chemical may be eligable to join. Please see the credit unions website or contact them at
585-336-1092 to get exact details.
Click on any ESL FCU location link to see the location placed into the map above. Driving
directions are also available if you need them.
Loan and Deposit Rates for the ESL FCU
Please Note: The National Credit Union Administration (NCUA) requires all Credit Unions
Insured by the National Credit Union Share Insurance Fund (NCUSIF)to file quarterly (5300)
data reports. The information below comes from those reports.
The deposit and loan rates
shown are not the current rates for the ESL FEDERAL CREDIT UNION. Some of these rates change on a daily
basis and you must visit the Credit Unions website
esl.org to get their current rates. The sole purpose of showing this data is to show the relative relationship of
ESL FCU 's rates versus the average rates of all Credit Unions at both the state and
national levels at a specific point in time, quarter end.
The data below is from quarter end 03/31/2009. You may also want to look at our pages that
show all
Credit Union Loan and Deposit Rates in New York or
Credit Union Loan and Deposit Rates in the USA.
From those
pages you'll be able to investigate specific types of loans and deposit rates and sort the
data to find what Credit Unions are offering the best rates or the highest deposit rates.
Deposit Type
ESL
State Average
National Average
esl.org Deposit Rates at Quarter End
Checking Rate %
0.00%
0.49%
0.44%
Regular Savings Rate %
0.30%
1.00%
0.87%
Money Market Rate %
0.80%
1.44%
1.39%
Certificates of Deposit Rate %
2.48%
2.52%
2.54%
IRA/KEOGH Rate %
2.48%
2.28%
2.28%
All Other Savings Rate %
0.20%
0.79%
0.97%
esl.org Loan Rates at Quarter End
Unsecured Credit Card Loan Rate %
7.18%
10.55%
10.99%
All Other Unsecured loans/Lines of Credit Rate %
14.93%
10.81%
12.08%
esl New Car Loan Rate %
8.43%
5.91%
6.14%
esl Used Car Loan Rate %
8.99%
6.91%
7.31%
1st Mortgage Real Estate/Lines of Credit Rate %
4.99%
5.78%
6.14%
Other Real Estate Loans/Lines of Credit Rate %
3.25%
6.10%
6.25%
All Other Loans/Lines of Credit Rate %
0.00%
7.14%
7.26%
ESL FEDERAL CREDIT UNION Assets Range Over Last 10 Years
$4,000,000,000
$3,200,000,000
$2,400,000,000
$1,600,000,000
$800,000,000
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
ESL FCU Outstanding Loans Over Last 10 Years
$3,000,000,000
$2,400,000,000
$1,800,000,000
$1,200,000,000
$600,000,000
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
ESL FEDERAL CREDIT UNION Total Deposits Over Last 10 Years
$3,000,000,000
$2,400,000,000
$1,800,000,000
$1,200,000,000
$600,000,000
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
ESL FCU Total Membership Count Over Last 10 Years
300,000
240,000
180,000
120,000
60,000
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
ESL FEDERAL CREDIT UNION Branch Locations
20
16
12
8
4
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
The above graphs attempt to give our visitors a quick reflection into the ESL FEDERAL CREDIT UNION business trends over the past 10 year period. Sometimes a visual chart can tell a story a lot
faster and clearer than just looking at a series of numbers. A quick look at the total loans and
deposits graphs for instance may give you a very good insight into the current state of affairs
for ESL FCU . An upward sloping chart for these charts and a rise in membership would seem
to say that this Credit Union is doing something right. Of course you must use your own judgment
in reading the data that we're supplying you with. Disclaimer: The quarterly data we use is
available for viewing at the NCUA website which you can find via our
resource page.
We try our best to share this data as error free as
possible. Please see our Terms Page for usage rules and regulations.
FINANCIAL STATUS OF ESL FEDERAL CREDIT UNION
Total Assets
$3,699,530,391.00
Net Worth Ratio
11.23
Net Worth Classification by NCUA
Well Capitalized
Total Loans
$2,002,587,955.00
Total Deposits
$2,292,716,542.00
ADDITIONAL FINANCIAL SERVICES OFFERED BY ESL FEDERAL CREDIT UNION
Do they offer Mortgage Processing?
No
Do they offer Overdraft Protection?
No
Do they offer Overdraft Lines of Credit?
Yes
Do they offer ATM/Debit Card program?
Yes
Do they offer Insurances/Investment Sales?
Yes
ACCESS TO ELECTRONIC FINANCIAL SERVICES OF ESL FEDERAL CREDIT UNION
Do they provide Home Banking Via Internet Website?
Yes
Do they provide Wireless based service?
No
Do they provide Home Banking/PC based service?
No
Do they provide Audio Response/Phone based service
Yes
Do they provide ATM (Automated Teller Machine) access?
Yes
Do they provide Kiosk based service?
No
Other services?
No
ESL FCU ONLINE ACCESS FUNCTIONALITY
Can website visitors get a Member Application?
Yes
Can website visitors get a New Loan?
Yes
Can website visitors access an Account Balance Inquiry?
Yes
Can website visitors order Checks?
Yes
Can website visitors get a New Share Account?
Yes
Can website visitors make Loan Payments?
Yes
Can website visitors access an "Account History" view?
Yes
Can website visitors purchase Merchandise?
No
Can website visitors share Account transfers?
Yes
Can website visitors make Bill Payments?
Yes
Can website visitors download the Account History?
Yes
Can website visitors use/get Electronic Cash?
No
Can website visitors make Account Aggregation?
No
Can website visitors get Internet Access Service?
No
Do they provide Signature Authentification?
No
LOAN SERVICES PROVIDED BY ESL FEDERAL CREDIT UNION
esl Loan Types
Do they offer Indirect Lending?
Yes
Do they offer Participation Loans?
Yes
Do they offer Real Estate Loans?
Yes
Do they offer Member Business Loans?
No
Do they offer Risk Based Loans?
Yes
Do they offer Direct Financing Leases?
No
Do they offer Credit Cards Loans?
Yes
Do they offer New Vehicle Loans?
Yes
Do they offer Used Vehicle Loans?
Yes
Do they offer Unsecure Loans? (Other than Credit cards)
Yes
esl Member Business Loans
Do they offer Agricultural Loans?
No
Do they offer Construction and Development Loans?
No
Do they offer Small Business Administration Loans?
No
Do they offer Unsecured Business Loans?
No
esl Real Estate Loans
Do they offer Adjustable Rate 1st Mortgages with Rate Adjustment at least once a Year?
No
Do they offer Adjustable Rate 1st Mortgages with Rate Adjustment less often than once a Year?
No
Do they offer Balloon/Hybrid 1st Mortgages 5 Years or Shorter?
No
Do they offer Balloon/Hybrid 1st Mortgages Longer than 5 Years?
No
Do they offer Closed End Adjustable Rate 2nd Mortgages?
No
Do they offer Closed End Fixed Rate 2nd Mortgages?
Yes
Do they offer Fixed Rate 1st Mortgages 15 Years or Shorter?
Yes
Do they offer Fixed Rate 1st Mortgages Longer than 15 Years?
Yes
Do they offer Interest Only 1st Mortgages?
No
Do they offer Open End Adjustable Rate 2nd Mortgages?
Yes
Do they offer Open End Fixed Rate 2nd Mortgages?
No
Total of 1st Mortgages made YTD that were Sold
$64,542,885.00
Do they offer Unclassifiable Fixed Rate 1st Mortgages?
No
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ESL FEDERAL CREDIT UNION ROUTING NUMBER
ESL FEDERAL CREDIT UNION
Routing No.
Rev. Date
Address
City
State
Zip Code
Phone
222371863
11-29-2006
100 KINGS HWY SOUTH
ROCHESTER
New York
14617
585-336-1000
(The above data was last updated by the Federal Reserve, the central bank of the USA, on 07/03/2009)
The ESL FCU (Credit Union/Federal Credit Union) Routing Number above is used for the electronic transfer of funds. Some credit unions have more than one routing number. Some are used for internal fund transfers and others may be assigned for shareholder usage. Please make sure that the number you use matches the routing number on your ESL FCU check. If in doubt use the ESL FEDERAL CREDIT UNION phone number above to call and verify that you're using the correct routing number.