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ESL Federal Credit Union Loan Solution

ESL logoESL Membership is Required

Read Eligibility Information

  • Personal Loan product with same-day or next-day funding to an ESL account possible
  • Five-year term recommended, but term can be flexible
  • Interest rates will be between 7.95% and 9.95%
  • Payments deferred for the first 90 days
  • No pre-payment penalties
  • Applications taken for any amount, $1,000 and up, but ESL will consider larger loan amounts ($25,000, $50,000, etc.)
  • ESL willing to accept applications for smaller amounts, but if you need additional dollars you can apply for additional funds
  • Underwriting guidelines will apply.  However, understanding your story will be a big help in making the loan decision

Contact Us

ESL is ready to work with you now. Call any of us to help.

Maria Febbraio, Branch Manager
Ridgeway Branch – 2480 Ridgeway Avenue, Rochester, NY 14626
Direct Phone Number – (585) 336-5760
Email –
Arelis Aponte, Branch Manager
Chestnut Branch – 225 Chestnut St, Rochester, NY 14604
Direct Phone Number – (585) 339-1927
Email –            
Angela Kaltenbach, Branch Manager
Webster Branch – 1055 Ridge Rd, Webster, NY 14580
Direct Phone Number – (585) 339-1950
Email –