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Esl Federal Credit Union


Phone: 1-585-336-1000

ACH Number: 222371863

Esl Federal Credit Union is a NCUA insured federal credit union headquartered at 225 Chestnut St, Rochester, NY 14604.
It was founded in 1995 and has approximately $9,896 million in assets. Customers can open an account at one of its 42 branches.

Deposit Rates - January 23, 2026

SAVINGS RATES APY MIN
SAV
0.05% $0 Compare
CD RATES APY MIN
6 Mo CD
0.10% $500 Compare
6 Mo CD
0.15% $100,000 Compare
12 Mo CD
0.12% $500 Compare
12 Mo CD
0.15% $100,000 Compare
18 Mo CD
0.12% $500 Compare
18 Mo CD
0.15% $100,000 Compare
24 Mo CD
0.12% $500 Compare
24 Mo CD
0.15% $100,000 Compare
36 Mo CD
0.15% $500 Compare
36 Mo CD
0.20% $100,000 Compare
48 Mo CD
0.15% $500 Compare
48 Mo CD
0.20% $100,000 Compare
60 Mo CD
0.15% $500 Compare
60 Mo CD
0.20% $100,000 Compare
MM RATES APY MIN
Money Market
0.20% $2,500 Compare
Money Market
0.30% $10,000 Compare
Money Market
0.40% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.05% $1
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1




Loan Rates - January 23, 2026

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
10 Year Fixed Jumbo
5.32% $3,444.68
10 Year Fixed Conforming
5.57% $3,483.79
15 Year Fixed Jumbo
5.32% $2,584.54
15 Year Fixed Conforming
5.51% $2,616.71
20 Year Fixed Jumbo
5.65% $2,228.80
20 Year Fixed Conforming
5.83% $2,260.94
30 Year Fixed Jumbo
5.88% $1,894.76
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union   Pentagon Federal Credit Union
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
10 Year Fixed Jumbo
5.32% $3,444.68
10 Year Fixed Conforming
5.57% $3,483.79
15 Year Fixed Jumbo
5.32% $2,584.54
15 Year Fixed Conforming
5.51% $2,616.71
20 Year Fixed Jumbo
5.65% $2,228.80
20 Year Fixed Conforming
5.83% $2,260.94
30 Year Fixed Jumbo
5.88% $1,894.76
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union   Pentagon Federal Credit Union
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
7.25% Varies
Compare with 0 RATE Line of Credit from PenFed Credit Union PenFed Credit Union
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union Four Leaf Federal Credit Union
Compare with 7.75 RATE Line of Credit from Farmers Bank of Kansas City Farmers Bank of Kansas City
10 Year Loan
6.50% $1,147.73
15 Year Loan
6.49% $870.56
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
3 Year
6.69% $768.39
4 Year
6.69% $595.07
5 Year
6.69% $491.38

Overview 2026

General Credit Union Information

NCUA Insured Yes / Federally Chartered
Charter Number # 24563
Date Established 1995
Assets $9,896.49 million
Loans $4,297.81 million
Deposits $5,728.26 million
Capital $1,658.60 million


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Branches

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Your current location is: New York City, NY

Esl Federal Credit Union Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    ESL
    Credit Union
    NEW YORK
    $50,000
    N.A.
    0.05%
    0.22x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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