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Owners' Dividend

There’s a simple reason why we don’t answer to shareholders. We don’t have any. Instead, our focus is always on our members. Case in point: Our special Owners’ Dividend.*

The ESL Owners' Dividend is just one of the many perks for banking with ESL. We like to start each year by thanking our members with our exclusive Owners’ Dividend, and it doesn’t stop there. From in-branch, online, and mobile banking conveniences to incredibly helpful services like chat banking, no other local financial institution does all that, all the time.

Great products and services. Award-winning service. And our exclusive Owners’ Dividend—a valuable benefit that can really add up, year after year.

Consider it further proof that ESL answers to you.

For more information:

  • Calculate Dividend

    It’s simple:

    1. We add the average monthly balance for the year for your checking and savings accounts to the average monthly outstanding balance for the year for your loan accounts.
    2. We multiply the total by the Dividend Percentage Factor.

    The result is your ESL Owners’ Dividend for the year. So the bigger your balances, the bigger your dividend will be. Click here to estimate how much your ESL Owners' Dividend could be.

    Please remember that the maximum Owners’ Dividend payout is $3,000.

     
  • Eligibility

    It’s easy to become eligible for our exclusive Owners’ Dividend.

    • You must be an active member in good standing with a membership share (savings) account on December 31 of the year in which the dividend 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.
    • You cannot be overdrawn on any ESL checking, savings, or IRA account (excluding escrow accounts) for 30 days or more.
     
  • Personal Accounts
    All of these ESL accounts qualify for our exclusive Owners’ Dividend:

    ESL Checking and Savings Accounts

    • Free Checking
    • Premier Checking
    • Certificates
    • Health Savings Account
    • IRAs
    • Money Maker 
    • Premier Money Maker 
    • Savings Accounts

    ESL Loans

    • Auto Loans
    • Home Equity Loans and Lines of Credit
    • Mortgages
    • Personal Loans
    • Visa® Credit Cards
    • Plus other ESL loans

     
  • Business Accounts
    All of these ESL accounts qualify for our exclusive Owners’ Dividend:
    ESL Business Checking and Savings Accounts
    • Classic Checking
    • Analyzed Checking
    • Analyzed Checking Plus
    • Premier Checking
    • Certificates
    • Money Maker
    • Savings Accounts
    ESL Business Loans
    • Lines of Credit
    • Master Lines of Credit
    • Mortgages
    • Term Loans
    • Visa® Credit Cards
     
Owners' Dividend* Calculator

The bigger your balances, the bigger your dividend will be. Click here to estimate how much you could earn.