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Owners’ Dividend

At ESL, you’re more than a balance, you belong. Sharing with members through our Owners’ Dividend. It’s more than gratitude. It’s giving back to help members grow forward. And that is so much bigger.

Year after year, we’re committed to providing the Owners’ Dividend to loyal members like you to share our financial success. In fact, it’s part of our mission. Since 1996, we’ve given money back directly to eligible members like you, based on the ways you bank with us.

An Open Letter to Members

ESL Senior Vice President / Chief Financial Officer, Tom Rogers shares perspectives on why sharing financial success with our members through the Owners’ Dividend is so important—to ESL, to members, and to our community.

ESL Owners’ Dividend Member Stories

The Onderdonks

What started as an annual dividend payout has grown to become so much more. Hear how Bob and Sue have grown forward with their ESL Owners’ Dividend.

Jared Smith

When it came to deciding what to do with his Owners’ Dividend, Jared took his parents' advice.

Bow Morse

Bow speaks of his appreciation for the Owners’ Dividend—but says the dollars aren’t even what’s most important.

Diane Fitzgerald Harris

According to Diane, Owners’ Dividend is one example of how ESL makes members part of their growth story.

Learn more about the ESL Owners’ Dividend >

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