ESL Federal Credit Union serves as a full-service financial institution to more than 384, 000 members and 13, 200 businesses. The company provides personal, business banking, mortgage services and wealth management services through its locally-based 23 branch network, telephone, mobile, online and live chat center.
The Rochester-based financial institution employs approximately 900 people in Rochester, New York and holds more than $8.4 billion in assets. Since 1996, ESL has paid out 26 consecutive Owners’ Dividends to its members totaling more than $185 million. Since the creation of its Community Impact initiative in 2018, ESL has reinvested more than $40 million in grants throughout the community. ESL Federal Credit Union is headquartered at 225 Chestnut Street, in Rochester, and can be found online at www.esl.org.
As an employer, ESL hosts a workplace that appreciates the uniqueness in each employee. A workplace that seeks out employees from different backgrounds and cultures, skills and experiences because it values the variety of perspectives and ideas a richly diverse workforce can bring. The company has appeared on the Great Place to Work® Best Small & Medium Workplaces list for 11 years since 2010. For more information about what a career at ESL is like, check out our LinkedIn Life page or visit us online at www.esl.org/careers.
Federally insured by NCUA. Equal Housing Lender. ESL is a registered service mark of ESL Federal Credit Union. Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed. ESL Federal Credit Union and its subsidiaries encourage diversity in the workplace; we are an Equal Opportunity Employer. Minority/Female/Disability/Veteran
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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