Credit Unions | Esl Federal Credit Union
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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 $9,626 million in assets. Customers can open an account at one of its 42 branches.

Deposit Rates - December 08, 2025

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
0.25% $2,500 Compare
Money Market
0.40% $10,000 Compare
Money Market
0.60% $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 - December 08, 2025

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
7.50% Varies
Compare with 0 RATE Line of Credit from PenFed Credit Union PenFed Credit Union
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union Four Leaf Federal Credit Union
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 2025

General Credit Union Information

NCUA Insured Yes / Federally Chartered
Charter Number # 24563
Date Established 1995
Assets $9,626.25 million
Loans $4,218.10 million
Deposits $5,831.67 million
Capital $1,607.03 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.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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