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Growing Something Bigger:
Our Commitment to Recognizing You

It’s easier than ever to share success together.

Appreciating the simpler things. Valuing each other. That’s the spirit of our Owners’ Dividend1: a special benefit and thank-you to ESL members. Since 1996, we’ve given money back to members based on how you bank with us and help contribute to our financial success. It’s a simple thanks for your support.

All members who are in good standing are eligible to receive an Owners’ Dividend, which includes a $10 minimum starting payout. The more in-depth your relationship with us, the more we add to that payout.

The total payout for 2023 was $25 million. And our cumulative payout to date is over $265 million and counting.

More Ways to Experience the Advantage

  • Starting payout of $10 to all eligible Owners’ Dividend earners
  • Combined average monthly balances for any ESL loan or share account
  • The number of purchase transactions you make with an ESL Visa® card
  • Having an eligible ESL Wealth Management relationship, including ESL Investment Services, ESL Trust Services LLC, or Cooper/Haims Advisors, an ESL Company.

Questions? See more details about the ESL Owners’ Dividend.

1. 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, SONYMA loans, and VA loans are not eligible to earn an Owners’ Dividend.

Membership subject to eligibility. ESL is an Equal Housing Lender. ESL is a registered service mark of ESL Federal Credit Union. VISA is a registered trademark of Visa International Service Association and used under license. Federally insured by the NCUA.