Credit union · NCUA insured
ESL Federal Credit Union Credit Card Rates
ESL Federal Credit Union credit cards start at 12.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How ESL Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, NY, where ESL Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
ESL Federal Credit Union
12.00%APR
- Up to
- 17.99% APR
ESL Visa Credit Card
Lowest rate
Canandaigua FCU
7.99%APR
- Up to
- —
2nd-lowest rate
Gates Chili Federal Credit Union
8.99%APR
- Up to
- —
ESL Federal Credit Union credit card score
72
Credit card score
Higher than 30% of U.S. banks and credit unions
- Purchase APRPurchase APR12.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ESL Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
ESL Rewards Visa Signature Credit Card
Credit lines are available from $5,000 to $25,000. Membership and credit approval required; proof of income may be required. Primary applicant must be at least 18 years of age. Maximum APR is 17.99%. Ongoing APR is variable based on Prime Rate + 14.24%. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for purchases available for new accounts only and fixed for 12 billing cycles from account open date. |
| Ongoing | 17.99% | None | Ongoing variable APR for purchases: Prime Rate + 14.24%, maximum APR 17.99%. |
| Ongoing | 17.90% | None | Ongoing APR for cash advances. |
ESL Visa Credit Card
Credit lines are available from $500 to $25,000. Membership and credit approval required; proof of income may be required. Primary applicant must be at least 18 years of age. Maximum APR is 17.99% (or 18.00% per rate tables). Ongoing purchase and balance transfer rate determined by Prime Rate + 5.00% up to Prime Rate + 14.24% based on creditworthiness. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for purchases fixed for 12 billing cycles from account open date; available to new accounts only. Rates subject to credit evaluation. |
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for balance transfers fixed for 12 billing cycles from account open date; available to new accounts only. Rates subject to credit evaluation. |
| Ongoing | 12.00%–17.99% | None | Ongoing variable APR for purchases based on creditworthiness: Prime Rate + 5.00% up to Prime Rate + 14.24%. Maximum APR is 17.99% (or 18.00% per rate tables). |
| Ongoing | 17.90% | None | Ongoing APR for cash advances. |
ESL Visa Secured Credit Card
Credit lines available from $300 to $1,000 based on collateral deposited in an ESL Secured Credit Card Savings account. No credit report required. Member must be at least 18 years old. Variable APR determined by Prime Rate + 11.00%. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Ongoing variable APR for purchases, balance transfers, and cash advances: Prime Rate + 11.00%. |
Who can join ESL Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.