ESL Federal Credit Union in 100 Canal View Boulevard

Customer Reviews about ESL Federal Credit Union:

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  Generally speaking, Credit Unions are better then banks; They are owned by the members and therefore there are not fees and hidden costs involved. However, as a member stand-up to your Credit Union for the information to follow. Let's talk about Home Equity Loans or Refinancing your Mortgage. ESL has a policy to have an assessor to come INTO your house, inspect and take pictures. Here are very practical reasons this is a horrible idea and the cost to your far exceed the value of doing business with any bank and/or Credit Union that insist on such a practice. --> Crime has become new age with technology; do you really want a blue print of your house including the exact place where your valuable may be in a computer base somewhere? I know, they tell you firewalls, safety bla, bla, what about the billions stolen by hackers just last year, suppose those companies said they had cheap non-effective firewalls? No one wants breeches, but it is a reality of modern day computer technology. --> The appraiser may appraise your house higher then your municipality (town, city) which could then be used to increase your taxes. We all know municipalities NEVER want to increase the assessment on your home to get more taxes :-/ ??? --> It is your right legally to refuse the assessor for your municipality INTO your home, but the bank/credit union wants more legal rights then the government allows for your town? --> Does anyone, especially in New York State, need an appraisal that is going to increase your property and school taxes. How many times have you been told, not to worry and the exact thing you were reassured could not happen, does? --> How do municipalities, and sites like Zillow come up with values for your home? They are NOT walking through and take pictures. --> Think of the type of people drawn to certain jobs, those who are child predators, find jobs working with children (how many times have you seen that on the news, they have clean records until they are caught for the first time); those who would like white collar crimes of easy robbery what better job. It is far more difficult to connect a string on home invasions with a Credit Union. Who would look for that connection? If I can think of it, a non-criminal, what of a criminal? Certainly, it is not every appraiser, not even the majority, but is it worth the risk to YOU, if you happen to get the "one"? What of the pictures and information that goes into a "secure" data base? --> There have been television News reports/specials about Real Estate and those who walk through homes stealing what is not nailed down, inviting any stranger into your home to take pictures of your valuables, exactly where they are located; to then upload into a data base, is just a BAD idea. --> Looking at it from the other side /the big picture, when all is said and done, if the credit union/ bank attempts to foreclose on a bad loan, what is to stop someone from trashing the very house that was in good shape years prior; or the house that looked good years prior, from having damages, post inspection? Would someone report to a Credit Union, such issues? --> Are assessors Handy Men and really know what to look for or general Real Estate people who only see the surface? There are entire site devoted to making your house more appealing. Smell is the strongest sense, simply pouring pine cleaner in drains, gives the illusion your house is cleaner. --> Ask yourself, is this a cost-effective practice for your benefit, including: safety, privacy? Is it really necessary (it does cost directly or indirectly), municipalities and others can assess your house without walking through and TAKING PICTURES? --> It is BAD practice, Let your Credit Union know!
  By Happy Mia, April 30, 2017
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  Great banking... when they're open. Easily 5 stars if they were open even until 6pm... With that out of the way, much better than m & fee (m&t)
  By Dan Seefeldt, December 02, 2016

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