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ESL Visa® Credit Card Terms and Conditions

Please scroll through the ESL Visa Credit Card Terms & Conditions then click ‘Continue’ to begin your application.

ESL Visa Credit Card rates are subject to credit evaluation. ESL will assign a credit limit from $500 to $25,000.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

0.00% Introductory APR for 12 billing cycles following the account open date.

After that, between 8.25% - 17.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate1.

APR for Balance Transfers

0.00% Introductory APR for 12 billing cycles following the account open date.

After that, between 8.25% - 17.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate1.

APR for Cash Advances

17.90%

Penalty APR and When it Applies

18.0%

This APR may be applied to your account if:

1. Your minimum monthly payment is not made for two consecutive billing cycles.

How long will the Penalty APR Apply?
If your APRs are increased for the reason above, the Penalty APR will be applied until the billing cycle after your past due status is corrected.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.

We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge If you are charged interest, the charge will be no less than $.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.
Fees
Annual Fee None
Transaction Fees
International Service Assessment
1% of transaction amount
Penalty Fees
Late Payment
Up to $25.00
Penalty Fees
Returned Payment
Up to $25.00
Other Fees None

1: We add 5.00% - 14.24% to the Prime Rate to determine the Purchase and Balance Transfer Rates. As of [current prime rate date], the Prime Rate was [current prime rate]. Your APR will not exceed the maximum allowed by applicable law, which is currently 18.00%.

How we will calculate your balance — We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Loss of Introductory APR — We may end your Introductory APR and apply the Penalty APR if your minimum monthly payment is not made for two consecutive billing cycles.

Billing Rights — Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

ESL membership is required. To see if you are eligible for membership, visit esl.org, any of our convenient branch locations or call our Contact Center at 585.336.1000 or 800.848.2265.

Applicant(s) must be 18 years of age to apply.

The Federal Equal Credit Opportunity Act prohibits creditors from discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant is able to enter into a binding contract), handicap or familial status; because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the National Credit Union Administration, Region I Office, 9 Washington Square, Washington Avenue Extension, Albany, NY, 12205, 518.862.7400.

I certify that I have read and agree to all disclosures.

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