At ESL, we believe in the power of shared success. For nearly three decades, the ESL Owners’ Dividend has been our way of giving back to the people who make our community stronger — you, our members. When we succeed together, we all thrive.
Together, we achieve so much more.
This year, we are proud to share a payout of $29 million amongst our members.
How the Owners’ Dividend Payout Works
By choosing ESL, you benefit from an annual expression of our appreciation with an Owners’ Dividend payout. Here’s how it’s calculated:
- $10 Starting Payout: If your account is eligible, you’ll receive a minimum payout of $10.
- Monthly Average Balances: Your monthly loan and share balances contribute to your payout.
- Visa® Card Transactions: Each time you use your card, it contributes to your Owners’ Dividend.
- Wealth Management Relationships: Potentially earn more with a wealth management relationship.
It’s simple: the more you engage with ESL, the more you earn. And because we're all in this together, our collective growth strengthens the entire community.
Join us in celebrating the success we share as we grow and build a stronger community — together.
Check your account in Mobile or Online Banking or in your January statement to see your payout amount.
Questions? Explore more information about the ESL Owners’ Dividend.
Eligibility for the ESL Owners’ Dividend
- You must be an active ESL member in good standing with a membership daily dividend (savings) account on December 31 is declared AND at the time of the payout.
- You cannot be 60 days or more delinquent on any loans owned or serviced by ESL as of December 31.
- You cannot be overdrawn on any ESL checking, savings, or IRA account (excluding escrow accounts) for 30 days or more.
