Joy to you and me. It's Owners' Dividend time.

ESL likes to start each year with thanks—our exclusive Owners’ Dividend—and doesn’t stop there. From in-branch, online and mobile banking conveniences, to incredibly helpful service like Chat Banking, to always-friendly banking interactions. No other local financial institution does all of that, all the time. And we’ll continue to expand the ways we can answer to you all year long. Happy 2015!

How do you get a dividend?

How is your dividend calculated?

How do you get a dividend?

Payouts are based on your combined average monthly balances for the year. And practically every ESL product for Personal and Business Banking qualifies for the Owners’ Dividend, including Checking, Savings and Loans.

How is your dividend calculated?

To determine your Owners’ Dividend, ESL adds the average monthly balance for the year on your share accounts to the average monthly balance for the year on loan accounts. Then, the total is multiplied by the Dividend Percentage Factor. The payout is based on the combined average monthly balance for the year on share and loan products, as well as the maximum cap.

Dividend Calculators

Personal
Business

Dividend Calculators

Personal
Business

On average, what is your typical monthly balance for your ESL personal accounts? For loan accounts, please use your average outstanding balance amount, NOT your average line amount.

Share Products

Savings
Checking
Money Maker
Certificates
IRAs
Share Total

Loan Products

Mortgage
Home Equity
Auto
Visa® Credit Cards
Other Loans
Loan Total

Your Estimated Owners’ Dividend1

On average, what is your typical monthly balance for your ESL business accounts1? For loan accounts, please use your average outstanding balance amount, NOT your average line amount.

Share Products

Business Savings
Business Checking
Business Money Maker
Business Certificates
 
 
Business Share Total

Loan Products

Business Mortgage
Business Term Loan
Business Line of Credit
Business Overdraft Line of Credit
Business Visa® Credit Cards
Business Loan Total

Your Estimated Owners’ Dividend2

1: Maximum payout of $3,000. The estimated Owners’ Dividend is for illustrative purposes only and is calculated based on criteria for the previous year and one full calendar year of relationship with ESL beginning in January. The criteria for the current year will result in a different amount. If you begin your relationship during any other month of the year, the amount will be different. Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of an Owners’ Dividend is not guaranteed.
1: Includes Sole Proprietor and DBA accounts.
2: Maximum payout of $3,000. The estimated Owners’ Dividend is for illustrative purposes only and is calculated based on criteria for the previous year and one full calendar year of relationship with ESL beginning in January. The criteria for the current year will result in a different amount. If you begin your relationship during any other month of the year, the amount will be different. Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of an Owners’ Dividend is not guaranteed.

This credit union is federally insured by the National Credit Union Administration. ESL is an equal opportunity lender. Membership subject to eligibility. ESL is a registered service mark of ESL Federal Credit Union.

© ESL January 2015