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Your Trusted Financial Partner in Rochester, NY
At ESL Federal Credit Union, we are committed to providing personalized financial solutions that empower our members to achieve their goals. With a legacy of service dating back to our founding, our experienced team delivers a comprehensive range of banking, lending, and investment services tailored to meet the unique needs of individuals and businesses. We prioritize financial wellness through educational resources, competitive rates, and innovative digital tools while maintaining a strong focus on community impact.Our dedication to exceptional customer service is reflected in our 24/7 telephone banking support, convenient branch locations, and user-friendly mobile applications. As a federally insured credit union, we combine local expertise with national standards of excellence to build lasting relationships with our members.
Services
Personal Checking
Business Loans
Mortgage Solutions
Online Banking
Financial Planning
Credit Cards
Investment Services
Trust Administration
Home Equity Loans
Mobile Banking
Highlights and features
- We offer 24/7 telephone banking services for urgent financial needs
- Our competitive loan and savings rates adapt to members' financial goals
- Local decision-making ensures personalized service for Rochester communities
- Comprehensive financial wellness resources support long-term stability
- Experienced team provides expert guidance for complex financial planning
Associations and certifications
- NCUA
- Equal Housing Lender
Services
Personal Checking
Our personal checking accounts provide flexible financial management solutions with no monthly maintenance fees. Members benefit from free debit cards, mobile check deposit, and access to a nationwide ATM network. We offer both standard and premium checking options with tiered benefits to suit different spending habits and financial needs.
Business Loans
Tailored business loan programs support companies at every growth stage with competitive rates and flexible terms. Services include equipment financing, working capital loans, and commercial real estate mortgages. Our local decision-makers ensure fast approvals and customized solutions for Rochester-area businesses seeking expansion or operational support.
Mortgage Solutions
Comprehensive mortgage services cover purchase loans, refinancing options, and home equity programs with personalized rate quotes. Our experienced originators guide clients through the entire process while offering competitive rates and down payment assistance programs for first-time homebuyers in the Rochester community.
Online Banking
24/7 digital banking platform enables account management, bill payment, fund transfers, and loan applications from any device. Features include real-time alerts, budgeting tools, and secure messaging with financial specialists. Business clients access specialized cash management solutions through our dedicated online portal.
Financial Planning
Holistic financial planning services address retirement strategies, investment management, and estate planning needs. Certified advisors create customized roadmaps considering each client's unique goals, risk tolerance, and time horizons while offering ongoing portfolio monitoring and adjustment services.
People
Faheem Masood
President and CEO
Faheem Masood led ESL Federal Credit Union as President and CEO until his retirement in 2026, driving strategic growth and community engagement initiatives during his tenure.
Tom Rogers
Chief Operating Officer
Tom Rogers served as Chief Operating Officer before being named successor to Faheem Masood, bringing extensive operational expertise and leadership experience to the organization.
Questions
What membership benefits does ESL offer?
Members receive competitive rates on loans and savings products, 24/7 banking access, financial education resources, and personalized service from local experts.
How can I access online banking services?
Visit our website to sign in or register for personal/business online banking, mobile apps, or specialized portals for investment and trust services.
What loan types are available?
We offer personal loans, mortgages, home equity products, business financing, and commercial lending solutions with customized terms and competitive rates.
Are there community development programs?
Yes, we provide financial literacy programs, small business support, and community grants while maintaining local focus in all our operations.
What digital banking features exist?
Our mobile apps enable check deposit, bill payment, account alerts, and secure messaging, with business clients accessing cash management tools through dedicated portals.
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