How to Apply for the ESL Federal Credit Union Visa Credit Card

The ESL Federal Credit Union Visa Credit Card is a solid option for people already banking with ESL FCU. In order to apply for this credit card, you need to open a checking or savings account. The ESL Federal Credit Union is the largest locally led financial services institution in the Greater Rochester area and one of the largest credit unions in New York State; however, it would only be beneficial to open an account if you live in Rochester, NY. The basic Visa credit card offered by ESL FCU provides cardholders with a low interest rate credit card (10.48% – 17.99%, subject to change) that comes with a low introductory APR of 3.99% for the first 6 months. There are no annual fees, no balance transfer fees, and no cash advance fees. Although there isn’t a rewards program attached to this card, the lack of fees makes this an attractive credit card. If you’re interested in becoming a member of this institution, visit your nearest branch to open a checking or savings account. If you already have an account, and wish to apply for the ESL Federal Credit Union Visa Credit Card, scroll down and follow our tutorial to apply online today.

Before submitting any personal or financial information into the application form, read through ESL’s privacy policy to learn how that information could be shared.


Make sure you meet this list of requirements before applying for this credit card:

  • Applicants must be at least 18 years of age
  • Applicants must have a valid Social Security number
  • Applicants must have a valid U.S. address
  • Applicants must have an existing account with ESL Federal Credit Union

How to Apply

Step 1 – You will begin the application process by navigating to the Visa Credit Card page of the ESL FCU website. Click on the Apply Now button to proceed to the next step.

Step 2 –  You are presented with a few options to apply for this card including Apply Online. Click on this to continue.

Step 3 – This step requires that you select your Account Type, Product, and Loan Purpose. Below that you must read the general disclosure for loans, as well as the terms and conditions for the ESL Federal Credit Union Visa Credit Card. Tick both I Agree boxes if you accept these terms and click Continue.

Step 4 – Start filling out the application form with the following information:

  • First name
  • Last name
  • Applicant member number
  • Date of birth
  • SSN

Step 5 – Next, provide the following information pertaining to your current physical address:

  • Address
  • City
  • State
  • Zip code
  • Time at residence (years and months)
  • Monthly rent or mortgage payment
  • Residence status

If your mailing address is the same as your physical address, tick the box below Residence Status. If it is different, provide an alternate mailing address.

Step 6 – At this juncture, click the drop down menu and select Yes or No to joint application. Next, fill out the Employment Information section with the following information:

  • Current employer
  • Type
  • Job title
  • Time with present employer (years and months)
  • Gross monthly income
  • Work phone number

Click Continue once you have completed this page.

Step 7 – The last step of the application process asks that you provide an Email Address before clicking Submit.

Well done! You have completed the application form for the ESL Federal Credit Union Visa Credit Card. We hope this tutorial was helpful to you and hope your application is a success.