ESL Visa® Credit Cards

Visa Gold Credit Card

At ESL, our Visa® Gold Credit Card offers great rates and can be used at millions of places that accept Visa Credit Cards. Check us out:

Transfer your high-rate credit card balances to a low-rate ESL Visa credit card.

  • Credit lines from $500 - $15,000.
  • No annual fee.
  • Low introductory, balance transfer and ongoing rates.
  • Average monthly outstanding balances for the year are eligible for the Owners' Dividend1.
  • CardLock® - an extra level of security.
  • Transaction Alerts — receive account activity via email and/or phone. Log into ESL Internet Banking to enroll.
  • FREE additional cards.
  • FREE emergency card replacement.
  • FREE travel and emergency assistance including Emergency Message Service, Medical and Legal Referral Assistance, Lost Luggage Assistance, Emergency Ticket Replacement and more.
  • FREE Warranty Manager includes warranty registration and extended warranty protection.
  • FREE auto rental insurance which automatically covers vehicle damage or theft up to the full value of most vehicles rented using your ESL Visa Credit Card.
  • Toll-free member service 24/7.
  • Accepted at millions of places that accept Visa Credit Cards.
  • Check out Visa Rewards for special offers to our Visa Cardholders.

Apply online now for your Visa Gold Credit Card. Or stop by any ESL branch office. To apply by phone, call 585.336.1000 or 800.848.2265.

When you use your ESL Visa Gold Credit Card, you are protected from unauthorized use of your card or account information. To find out more, see the Visa Zero liability policy.

To report a lost or stolen ESL Federal Credit Union Visa Card, call 800.449.7728.

[Disclosures]

 

Visa Secured Credit Card

If you want to establish or restore credit, the ESL Visa Secured Credit Card is a practical option. It works just like a regular Visa® card to make purchases. The difference is your credit line is based on the amount of money you deposit as collateral in an ESL Secured Credit Card Savings Account.

How it Works
Card Features
Important Card Information

To complete the process for instant approval, talk with an ESL representative at your nearest ESL branch, by phone at 585.336.1000 or 800.848.2265, or by Online Chat. Once approved, you'll receive your card by mail within 7-10 business days.

When you use your ESL Secured Credit Card, you are protected from unauthorized use of your card or account information. To find out more, see the Visa Zero liability policy.

To report a lost or stolen ESL Federal Credit Union Visa Card, call 800.449.7728.

[Disclosures]

1: Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.