For 30 years, ESL has proudly shared its success with the people who make it all possible: our members. The Owners’ Dividend is our way of saying thank you. Each year, we give back in recognition of your trust, loyalty and partnership in building a stronger financial future together.
Since 1996, we’ve distributed more than $320 million to our members, serving as a lasting testament to our commitment to shared success and local impact.
As we celebrate this milestone year, we look forward to continuing that tradition with the 2026 Owners’ Dividend payout, coming soon.
Because at ESL, sharing success isn’t just what we do — it’s who we are.
How the Owners’ Dividend Works
Your ESL Owners’ Dividend reward is based on your relationship with ESL. The more you engage, the more opportunities you have to potentially grow your payout. Here’s how it works:
- $10 Starting Payout – Eligible members receive at least $10.
- Visa® Card Transactions – Every purchase with your ESL Visa Credit, Debit, or HSA card contributes to your dividend.
- Monthly Average Balances – The loan and share balances you maintain throughout the year help increase your payout.
- Wealth Management Relationships – Potentially earn more with a wealth management relationship.
