Esl Federal Credit Union

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A short history of Esl FCU

Since its inception in 1995 the Esl Federal Credit Union has been serving its members in the Rochester, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Faheem Masood, the Esl FCU has grown its membership to over 346,962 with assets of more than $6,286,066,564. They have a main office and 20 branch offices. Please see the credit unions website or contact them by phone at (585) 336-1000 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Rochester, NY.

General Information For Esl FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24563
Address 225 Chestnut St 
City Rochester 
State New York 
Zip-Code 14604
Phone Number (585) 336-1000
Fax Number () -
Email Address:
CEO/President Faheem Masood
Members 346,962 
Full-Time Employees 611 
Part-Time Employees 126 
Number of Branch Offices 20 
Total Assets 6,286,066,564 

Compare Esl Federal Credit Union To Other Local Credit Unions

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Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Genesee Co-op CU Corporate Office 395 GREGORY ST 14620 (585) 461-2230 No 0.98
Wit CU Main Office - 22 Fourth St 22 4th St 14609 (585) 454-4580 No 1.06
Rochester & Monroe Co Emp CU Main Office 460 N Goodman St 14609 (585) 546-4279 No 1.17
Rochester Polish CU Main Office 1325 Hudson Ave 14617 (585) 266-5876 No 2.31
Ukrainian CU Portland branch 11050 SE Powell Blvd Ste 371 97266 (503) 774-1444 No 2.79

Esl Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Esl Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 3.99 2.34 3.99 4.10 2.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 11 65 202 154 5
Rank Among All New York Credit Unions 1 27 63 55 2

Esl Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.20 1.00 0.10
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 114 174 283
Rank Among All New York Credit Unions N/A 38 30 34 77
Esl Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 3.99055,950108,465,313
All Other Unsecured Loans/Lines of Credit 9.20072,59395,147,803
Short-Term, Small Amount Loans (STS) (Federal CU Only) 28.0008,3333,624,528
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.34017,940343,309,371
Used Vehicle Loans 3.99027,303352,671,533
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.1003,616517,576,396
Total Other Real Estate Loans/Lines of Credit 2.00030,4841,100,449,292
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.7008,66977,508,499
TOTAL LOANS & LEASES 224,8882,598,752,735

Esl Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 68650,827,26935847,293,903
    b. 15 Years or less 2,276177,497,12920645,622,481
    a. > 15 years 107114,834,8012146,626,500
    b. 15 Years or less 18645,060,34711,477,345
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 23621,664,33100
Adjustable Rate > 1 yr 125107,692,5191437,447,159


Closed-End Fixed Rate 2,562100,069,84529315,796,900
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 27,9221,000,379,4471,624103,092,000
Open-End Fixed Rate 0000
TOTALS 34,1001,618,025,6882,517297,356,288


Interest Only & Payment Option 1st Mortgage Loans 915,720,50317,104,159
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Esl Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes