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TODAY’S RATES

VIEW Consumer RATES
VIEW BUSINESS RATES

BOOST TO EVERYDAY SAVINGS¹

offered on Primary Share Savings
3.56%
On the first $1,000.

Home Equity
Loans ²

fixed rate as low as
7.655%
for a 20-year closed-end home equity loan.

Business Auto
Loans ³

as low as
6.84%
for a new vehicle with less than 12,000 miles with a term up to 60 months.

Save Big, Earn Big! Now offering more dividends on higher balances, for select share certificates. Learn More »

coffee and soda

A SPECIAL OFFER

Just for SESLOC Members!

FREE Cup of Coffee or Fountain Drink

with any entrée at select North County Restaurant Group locations.

Valid February 1 - 28, 2025.
Local Rewards
Show Me Where & How
(Terms and conditions apply, learn more.)
Enjoy a Boost to Your Savings
Enjoy a Boost to
Your Savings

We know every dollar counts. That’s why we’re now offering more dividends on the first tier of deposit balances in your personal Primary Share Savings account. Why? Because we love to help SESLOC Members Save.

3.56%

on the first $1,000 in your Primary Share Savings account.¹

Learn more

NOW IT IS EASIER TO EARN A

Level Up Savings Point

We’ve lowered the deposit balance requirement to just $5,000+.

Learn More
The Level Up Member Benefits Program (“Program”) is automatically available to select consumer memberships. Visit sesloc.org/level-up, call us, or visit any branch for complete terms, conditions, restrictions and eligibility.
father and son build savings

SESLOC Reduces Overdraft Fees for Consumer and Business Members

Helping Members Save Today, and Everyday

Happy family

SESLOC is pleased to announce, that as of Friday, November 1, 2024, there has been a reduction in overdraft fees. This change is part of our commitment to providing cost-effective solutions for our entire membership community. These savings will be extended to all members, but will have the greatest impact on those facing financial challenges, who need a break from fees to begin saving and building healthy financial habits.

See a summary of these recent changes, or explore Basic Checking, which has been offering no overdraft, NSF or check-cashing fees.

Summary of Changes

Introducing a new valuable resource to help members strengthen their financial security and stop potential fraud.

- Protect Yourself From Scams -

Explore the new

SESLOC Fraud Center
Stay Aware. Stay Safe.
SESLOC Fraud Center
SESLOC Instant Funds
Life happens.

SESLOC Instant Funds loans are here to help.

With a Life Event or Smart Payday Loan, you could get funded in less than 60 seconds, even on nights and weekends. (Terms and conditions apply, click “Learn More” for complete details.)

Learn More
Find affordable Business vehicle loans at SESLOC.
Drive Your Business Forward

Basic Business Vehicle Loans are now more affordable. 

See How
SESLOC HomeFREE Checking Visa debit card with a Cal Poly design
A must-have for all Mustangs.

Introducing the all new Cal Poly Debit Rewards Card for HomeFREE Checking™

Same benefits. Same rewards.

But now, pay with Cal Poly pride.

For all the fans
Just for Students
The best place to bank
is not a bank.

It's here. At SESLOC.

SESLOC pattern
See Why

Take it To Go

For an optimal Online Banking experience, download the SESLOC mobile app.

App Store
Google Play
Business

SESLOC Business Services 

Local. Stable. Flexible.

Learn More
Home Sweet Home

Get Buying Power

 

It’s time to purchase your Central Coast dream home.

Fast Pre-approvals

Featured Stories from SESLOC News+

Our latest events, community stories and tips to boost your financial IQ

’Tis the Season for Savings

’Tis the Season for Savings

At SESLOC, we’re introducing new ways to help SESLOC Members Save. Whether you are just starting your financial journey, are an everyday saver, or have more to invest, there is something for everyone at SESLOC. We hope these benefits make your holidays more merry and bright and help you reach your financial goals and dreams in the coming year.

read more
See all stories

awarded to Central Coast schools.

See how we give back »

SESLOC members strong.

See why they chose SESLOC »

awarded to money savers.

See how we foster a habit of saving »

Happening Now at SESLOC

Join us for these upcoming member education opportunties, events and celebrations.

Financial Webinars

Free and open to the public

The Psychology of Spending

Ever wonder why you spend money the way you do? The Psychology of Spending webinar will explore the external factors that influence buying behavior, money personalities, ways to control spending, and strategies to overcome the forces that make us spend. Join us in learning more about your spending. Presented by SESLOC Education Outreach Manager Vincent Delgado.

Register Now

Events & Celebrations

 

Local Business

Santa Maria Chamber Business Expo

Santa Maria Fairpark, 937 S Thornburg St.
March 25, 2025  |  11:00–2:00 p.m.

The Santa Maria Chamber of Commerce Business Expo highlights the vibrant businesses that make our region special. Be sure to stop by the SESLOC booth and say hello. Learn more »

 

Holiday Closures

Branches, Contact Center and Live Chat are closed in observance of upcoming federal holidays. See all closures. 

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* APR = Annual Percentage Rate. All loans subject to credit approval and other underwriting criteria; not every applicant will qualify. APR and terms vary based on credit worthiness and other conditions.
** APY = Annual Percentage Yield. See terms and conditions.
1. $5 minimum opening balance for personal Primary Share Savings account, required to maintain membership. Rate not offered on Secondary Savings accounts or Business Saving accounts. Dividend rates and APY are variable and may vary after the account is opened. Dividend rates on your account may change at any time. This is a tiered rate account. The dividend rates and APYs applied to an account will only apply to that portion of the corresponding average daily balance within each applicable tier. The dividend rate for one tier may be the same rate, or a higher or lower rate, than the rate for a lower tier. Fees may reduce account earnings. Additional restrictions may apply. Refer to your Truth in Savings Disclosure for more information.
2. See all current mortgage rates at www.sesloc.org/rates. Rates subject to change without notice. Advertised interest rates and APRs are considered base rates.  All specific interest rates and APRs, as well as other terms and conditions are disclosed during the application process. Example shown is for a fixed rate 20-year closed-end home equity loan. Payment Example: For a fixed rate equity loan in the amount of $100,000 for 20 years with an initial interest rate of 7.500% (APR 7.655%*), the estimated monthly payment would be $805.59. Payment example excludes taxes and insurance.  Actual payment will vary based on final loan terms and may be higher. Refer to the Payment Calculator to estimate additional payment examples. 
3. Vehicles less than 7 years old and mileage less than 12,000. Payment Example: A $30,000 loan, at 6.84% APR for 60 months, would have an estimated monthly payment of $591.77. Rates are based on credit score and specific vehicle qualifications. Financing available up to 95% of MSRP or Retail Kelley Blue Book. Financing is subject to SESLOC membership, credit approval and other underwriting criteria; not every applicant will qualify. Restrictions may apply.