Chartered in 1920 as the Eastman Savings and Loan Association, ESL Federal Credit Union is a financial institution that offers a range of loan programs. It is a locally owned and operated financial institution. With assets of more than $3 billion, it is one of the largest credit unions in the United States. The institution provides a variety of checking and savings products. It offers holiday club and money market accounts. The institution provides Internet banking and bill payment services. It serves over 290,000 members. The institution maintains nearly five operating units and approximately 15 branch locations in the Greater Rochester area in New York. Through its subsidiary, ESL Investment Services, it offers annuities and mutual funds. ESL Federal Credit Union provides vehicle, home improvement and education loans.