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Grow Your Owners’ Dividend

It’s more than a thank-you. It’s to help our members thrive.

With ESL, you’re more than a balance. You belong to something bigger. Year after year, we’re committed to providing our exclusive Owners’ Dividend to loyal members like you to share our financial success. It’s part of our investment in the future of Greater Rochester and helping members grow forward.

Payouts are based on yearly balances, transactions, and banking relationships, including:

  1. Combined average monthly balances for any ESL loan or share account*
  2. The number of purchase transactions you make with an ESL Visa® card
  3. Having an eligible ESL Wealth Management relationship including ESL Investment Services, ESL Trust Services, LLC, or Cooper/Haims Advisors

To see what your payout could be, use our Owners' Dividend Calculators.

Learn how members are growing forward with their 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. *ESL IOLA Checking accounts and VA Loans are not eligible to earn an Owners’ Dividend. Membership subject to eligibility. ESL is a registered service mark of ESL Federal Credit Union.