ESL Federal Credit Union Savings & Money Market Rates

How ESL Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Rochester, NY, where ESL Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
ESL Federal Credit Union
1.00%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$100
Tiered Savings
Top rate
Family First Federal Credit Union
5.00%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$500
Family First Federal Credit Union rates
2nd-highest rate
Northwest Bank
4.00%APY
Requires
None
Minimum
$1
Earns on $10,000 a year
$400
Northwest Bank rates

Compare savings rates near you →

Savings score

Higher than 25% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.20%
$100,000 balance$100,0001.45%
QualifiedQualified0.20%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where ESL Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Tiered Savings

1.00%APY$10,000 to open

$20.00 monthly balance fee applies if monthly average balance drops below $50,000; fee waived if monthly average balance is $50,000 or more. No monthly service fee. Dividends paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Balance Tier $0 - $49,999.99; minimum balance to obtain APY is $1. $20.00 average balance fee applies if monthly average balance drops below $50,000.	1.00%	$100	Balance Tier $0 - $49,999.99; minimum balance to obtain APY is $1. $20.00 average balance fee applies if monthly average balance drops below $50,000.
$50,000 – $100,000Balance Tier $50,000.00 - $99,999.99; minimum balance to obtain APY is $50,000. Monthly balance fee waived if monthly average balance is $50,000 or more.	1.20%	—	Balance Tier $50,000.00 - $99,999.99; minimum balance to obtain APY is $50,000. Monthly balance fee waived if monthly average balance is $50,000 or more.
$100,000 – $250,000Balance Tier $100,000.00 - $249,999.99; minimum balance to obtain APY is $100,000. Monthly balance fee waived if monthly average balance is $50,000 or more.	1.45%	—	Balance Tier $100,000.00 - $249,999.99; minimum balance to obtain APY is $100,000. Monthly balance fee waived if monthly average balance is $50,000 or more.
$250,000 – $1,000,000Balance Tier $250,000.00 - $999,999.99; minimum balance to obtain APY is $250,000. Monthly balance fee waived if monthly average balance is $50,000 or more.	1.80%	—	Balance Tier $250,000.00 - $999,999.99; minimum balance to obtain APY is $250,000. Monthly balance fee waived if monthly average balance is $50,000 or more.
$1,000,000 and upBalance Tier $1,000,000.00 and greater; minimum balance to obtain APY is $1,000,000. Monthly balance fee waived if monthly average balance is $50,000 or more.	2.10%	—	Balance Tier $1,000,000.00 and greater; minimum balance to obtain APY is $1,000,000. Monthly balance fee waived if monthly average balance is $50,000 or more.

Sources (4)

All captured Sep 17, 2026

Premier Money Maker Account

0.20%APYMoney market$10,000 to open

Balances qualify for the Owners' Dividend subject to eligibility. $15.00 monthly average balance fee applies if monthly average balance falls below $25,000.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Minimum balance to obtain APY is $1. Monthly fee waived with average monthly balance of $25,000 or more.	0.00%	—	Minimum balance to obtain APY is $1. Monthly fee waived with average monthly balance of $25,000 or more.
$2,500 – $10,000Minimum balance to obtain APY is $2,500. Monthly fee waived with average monthly balance of $25,000 or more.	0.10%	—	Minimum balance to obtain APY is $2,500. Monthly fee waived with average monthly balance of $25,000 or more.
$10,000 – $25,000Minimum balance to obtain APY is $10,000. Monthly fee waived with average monthly balance of $25,000 or more.	0.20%	$20	Minimum balance to obtain APY is $10,000. Monthly fee waived with average monthly balance of $25,000 or more.
$25,000 – $50,000Minimum balance to obtain APY is $25,000. Monthly fee waived with average monthly balance of $25,000 or more.	0.30%	—	Minimum balance to obtain APY is $25,000. Monthly fee waived with average monthly balance of $25,000 or more.
$50,000 – $100,000Minimum balance to obtain APY is $50,000. Monthly fee waived with average monthly balance of $25,000 or more.	0.45%	—	Minimum balance to obtain APY is $50,000. Monthly fee waived with average monthly balance of $25,000 or more.
$100,000 – $250,000Minimum balance to obtain APY is $100,000. Monthly fee waived with average monthly balance of $25,000 or more.	0.45%	—	Minimum balance to obtain APY is $100,000. Monthly fee waived with average monthly balance of $25,000 or more.
$250,000 and upMinimum balance to obtain APY is $250,000. Monthly fee waived with average monthly balance of $25,000 or more.	0.50%	—	Minimum balance to obtain APY is $250,000. Monthly fee waived with average monthly balance of $25,000 or more.

Sources (1)

esl.org/personal/savings/savin…unts/premier-money-maker · captured Sep 17, 2026

Premier Money Maker Account

0.20%APY$10,000 to open

Monthly average balance fee of $15.00 applies if below $25,000; waived if balance is $25,000 or more.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	0.00%	—
$2,500 – $10,000	0.10%	—
$10,000 – $25,000	0.20%	$20
$25,000 – $50,000	0.30%	—
$50,000 – $250,000	0.45%	—
$250,000 and up	0.50%	—

Sources (1)

esl.org/personal/resources-tools/rates/savings · captured Sep 17, 2026

Money Maker Account

0.10%APYMoney market$2,500 to open

No monthly service fees or minimum balance fees. Balances qualify for the Owners' Dividend subject to eligibility. Rates are variable and paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Minimum balance to obtain APY is $1.	0.05%	—	Minimum balance to obtain APY is $1.
$2,500 – $10,000Minimum balance to obtain APY is $2,500.	0.05%	—	Minimum balance to obtain APY is $2,500.
$10,000 – $25,000Minimum balance to obtain APY is $10,000.	0.10%	$10	Minimum balance to obtain APY is $10,000.
$25,000 – $50,000Minimum balance to obtain APY is $25,000.	0.25%	—	Minimum balance to obtain APY is $25,000.
$50,000 and upMinimum balance to obtain APY is $50,000.	0.45%	—	Minimum balance to obtain APY is $50,000.

Sources (1)

esl.org/personal/savings/savings-accounts/money-maker · captured Sep 17, 2026

Money Maker Account

0.10%APY$2,500 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	0.05%	—
$2,500 – $10,000	0.05%	—
$10,000 – $25,000	0.10%	$10
$25,000 – $50,000	0.25%	—
$50,000 and up	0.45%	—

Sources (1)

esl.org/personal/resources-tools/rates/savings · captured Sep 17, 2026

Daily Dividend Savings Account

0.05%APY$1 to open

Membership Daily Dividend Savings Account opened with ESL membership. Dividends paid quarterly. No monthly service or minimum balance fees.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upMinimum balance to obtain APY is $1. Variable rate subject to change.$1 and up	0.05%	$5	Minimum balance to obtain APY is $1. Variable rate subject to change.

Sources (3)

All captured Sep 17, 2026

First-Time Homebuyer Savings Account

0.05%APY$1 to open

First-time homebuyer savings account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upMinimum balance to obtain APY is $1.$1 and up	0.05%	$5	Minimum balance to obtain APY is $1.

Sources (2)

All captured Sep 17, 2026

Secured Credit Card Savings Account

0.05%APYRequirements apply$300 to open

Secured savings account for credit card collateral.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$300 and upMinimum balance to obtain APY is $300.$300 and up	0.05%	$5	Minimum balance to obtain APY is $300.

Sources (1)

esl.org/personal/resources-tools/rates/savings · captured Sep 17, 2026

Special-purpose accounts

IRA Money Maker

0.10%APYMoney marketIRA

Available for Traditional, Roth, and Coverdell Education IRAs. Rates are variable and subject to change. Early withdrawal penalties and fees may apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Minimum balance to obtain APY is $1.	0.05%	—	Minimum balance to obtain APY is $1.
$2,500 – $10,000Minimum balance to obtain APY is $2,500.	0.05%	—	Minimum balance to obtain APY is $2,500.
$10,000 – $25,000Minimum balance to obtain APY is $10,000.	0.10%	$10	Minimum balance to obtain APY is $10,000.
$25,000 – $50,000Minimum balance to obtain APY is $25,000.	0.25%	—	Minimum balance to obtain APY is $25,000.
$50,000 and upMinimum balance to obtain APY is $50,000.	0.45%	—	Minimum balance to obtain APY is $50,000.

Sources (2)

All captured Sep 17, 2026

IRA Money Maker

0.10%APYIRA

Applies to Traditional, Roth, and Coverdell Education IRAs. Minimum balance to open account is $0.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500IRA Term/Tier $0-2,499.99; minimum balance to obtain APY is $1.	0.05%	—	IRA Term/Tier $0-2,499.99; minimum balance to obtain APY is $1.
$2,500 – $10,000IRA Term/Tier $2,500.00-9,999.99; minimum balance to obtain APY is $2,500.	0.05%	—	IRA Term/Tier $2,500.00-9,999.99; minimum balance to obtain APY is $2,500.
$10,000 – $25,000IRA Term/Tier $10,000.00-24,999.99; minimum balance to obtain APY is $10,000.	0.10%	$10	IRA Term/Tier $10,000.00-24,999.99; minimum balance to obtain APY is $10,000.
$25,000 – $50,000IRA Term/Tier $25,000.00-49,999.99; minimum balance to obtain APY is $25,000.	0.25%	—	IRA Term/Tier $25,000.00-49,999.99; minimum balance to obtain APY is $25,000.
$50,000 and upIRA Term/Tier $50,000.00 and greater; minimum balance to obtain APY is $50,000.	0.45%	—	IRA Term/Tier $50,000.00 and greater; minimum balance to obtain APY is $50,000.

Sources (6)

All captured Sep 17, 2026

Health Savings Account

0.05%APYHSA

Must be an ESL member covered by a high-deductible health plan (HDHP), not enrolled in Medicare, and not eligible to be claimed as a dependent.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upMinimum balance to obtain APY is $1. Rates on variable accounts may change after account opening.$1 and up	0.05%	$5	Minimum balance to obtain APY is $1. Rates on variable accounts may change after account opening.

Sources (3)

All captured Sep 17, 2026

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.

Visit institution website ↗Branches and institution details

← ESL Federal Credit Union overview

How ESL Federal Credit Union’s savings rates compare

ESL Federal Credit Union savings score

Current savings rates

Tiered Savings

Premier Money Maker Account

Premier Money Maker Account

Money Maker Account

Money Maker Account

Daily Dividend Savings Account

First-Time Homebuyer Savings Account

Secured Credit Card Savings Account

Special-purpose accounts

IRA Money Maker

IRA Money Maker

Health Savings Account

Who can join ESL Federal Credit Union