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About the ESL Owners’ Dividend

ESL Owners’ Dividend is more than sharing gratitude. It’s one way we share our success with our members and help them grow forward.

Owners’ Dividend Criteria

These three criteria contribute to Owners’ Dividend payouts for personal and business ESL members:

  • Combined average monthly balances continue to be a part of what determines your Owners’ Dividend payout. And practically every ESL checking, savings, and loan product for personal and business banking qualifies!
  • Have an ESL Wealth Management relationship? Your Owners’ Dividend will reflect that since the criteria includes payouts for ESL Members who have a relationship with either ESL Investment Services, LLC, ESL Trust Services, LLC, or Cooper/Haims Advisors.
  • Card Transactions are included! The greater the number of transactions you make using your ESL Debit, Credit, or HSA Debit Card for purchases in store and/or online, the greater your Owners’ Dividend payout could potentially be.

How Owners’ Dividend is Calculated

Using these criteria, here is how the Owners’ Dividend payout is calculated:

  • We add the average monthly balance from January 1 – December 31 from share accounts to average monthly outstanding loan balances from January 1 – December 31 and multiply that by an Owners’ Dividend factor.
  • We add the number of ESL Credit, Debit, and HSA Card transactions made from January 1 – December 31 and multiply that by a Dividend factor.
  • Members with a Wealth Management relationship with ESL Investment Services, ESL Trust Services, or Cooper/Haims Advisors will receive an additional amount added to their Dividend payout.


Eligibility for the ESL Owners’ Dividend

  • You must be an active ESL member in good standing with a membership daily dividend (savings) account on December 31 is declared AND at the time of the payout.
  • You cannot be 60 days or more delinquent on any loans owned or serviced by ESL as of December 31.
  • You cannot be overdrawn on any ESL checking, savings, or IRA account (excluding escrow accounts) for 30 days or more.

Personal Products and Services that Qualify

The average monthly balances for these accounts will be used to determine a portion of your Owners’ Dividend:

  • Free Checking
  • Premier Checking
  • Simple Spending
  • Certificates
  • Health Savings Account
  • IRAs
  • Money Maker
  • Premier Money Maker
  • Savings Accounts
  • Auto Loans
  • Home Equity Loans and Lines of Credit
  • Mortgages
  • Personal Loans and other ESL Loans
  • Visa® Credit Cards

Transactions from these ESL Cards will be used to determine a portion of your Owners’ Dividend:

  • Visa® Debit Card
  • Rewards Visa® Signature Credit Card
  • Visa® Credit Card
  • Visa® Secured Credit Card
  • Visa® Health Savings Account Debit Card

Having a relationship with one of these ESL Wealth Management subsidiaries:

  • ESL Investment Services, LLC
  • ESL Trust Services, LLC
  • Cooper/Haims Advisors

Business Products and Services that Qualify

The average monthly balances for these accounts will be used to determine a portion of your Owners’ Dividend:

  • Classic Checking
  • Premier Checking
  • Analyzed Checking
  • Analyzed Checking Plus
  • Certificates
  • Money Maker
  • Savings Accounts
  • Business Lines of Credit
  • Master Lines of Credit
  • Mortgages
  • Construction Loans
  • Term Loans
  • Visa® Credit Cards

Transactions from these ESL Cards will be used to determine a portion of your Owners’ Dividend:

  • Visa® Business Debit Card
  • Visa® Business Credit Card

* Payment of a Dividend is not guaranteed. Qualification for the Owners’ Dividend is subject to eligibility requirements. The maximum Owners’ Dividend payout is $3,000. ESL IOLA Checking accounts excluded.