Together, we’ve built something worth celebrating.
For three decades, ESL has proudly shared success with our members through the Owners’ Dividend. This year marks the 30th anniversary of this unique tradition, and we’re thrilled to announce a $30 million payout in 2026!
Check your account in Mobile or Online Banking, or review your January statement, to see your share.
A Tradition of Belonging to Something Bigger
The ESL 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 $350 million amongst our members and reinvested in the Greater Rochester community. This serves as a lasting testament to our commitment to shared success and local impact.
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.
