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Welcome to SESLOC Dive in Located on the Corner of People & Place. Where ease
meets access. Dive in Located on the Corner of People & Place. Where knowledge meets opportunity. Dive in Located on the Corner of People & Place. Where dreams
meet living.

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
7.146%
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 »

Santa Maria Times Best Of 2025

We love our community.

Thank you for voting for us.

This is our 18th year of being ranked #1 by New Times readers, and Santa Maria Times readers also voted SESLOC the BEST bank or credit union & wealth management in Santa Maria.

New Times Best of 2025
Brown Butter Cookie Toffee Chocolate Shortbread

A Special Offer
Just for SESLOC Members

Free Cookies!

Get a free 2-pack of the
Toffee Chocolate
Brown Butter Sea Salt Shortbread Cookies, with any $12 purchase.

Valid April 1 - May 31, 2025, in-store only.
Local Rewards
Show Me Where & How
(Limit one freebie per customer per visit. Not valid online. Other terms and conditions apply, learn more.)
DON’T TAX MY

CREDIT UNION.

Send a message to your U.S. Representative and Senators now and tell them to oppose any effort to add a tax on credit unions.

TAKE ACTION
A tax on credit unions is a tax on me.
Enjoy a Boost to Your Savings
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
Celebrating the People

Who Make the Central Coast the Best Place to Live

SESLOC Cares for Community Award

In partnership with NewsChannel 12, each month we select one nonprofit to nominate a volunteer who goes above and beyond to give back to their community.

SESLOC Young Change Makers Award

In partnership with Wild 106.1, each month we honor a young resident who volunteers or uses their entrepreneurial spirit to drive change.

Celebrating the People

Who Make the Central Coast the Best Place to Live

SESLOC Cares for Community Award

In partnership with NewsChannel 12, each month we select one nonprofit to nominate a volunteer who goes above and beyond to give back to their community.

SESLOC Young Change Makers Award

In partnership with Wild 106.1, each month we honor a young resident who volunteers or uses their entrepreneurial spirit to drive change.

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

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

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

Financial Elder Abuse Prevention

Join us for an informative session on how to protect our elders from financial exploitation. We will discuss common scams targeting seniors and provide practical tips on how to safeguard their assets. Don’t miss this opportunity to learn how to recognize and prevent elder financial abuse. Register now to secure your spot!

Register Now
On-demand Webinar

Webinars From the Vault: The Psychology of Spending

Watch online

In The Psychology of Spending, we talk about the role of psychology in how we spend. Presented March, 22, 2023 by Vincent Delgado, Education Outreach Manager.

Watch Now

Events & Celebrations

 

Local Business

EXPO at the Expo

Madonna Inn Expo Center
May 21, 2025  |  4:00-7:00 p.m.

The EXPO at the Expo, hosted by the San Luis Obispo Chamber of Commerce, brings together more than 100 local exhibitors. Local businesses are welcome to stop by the SESLOC People & Place booth for special treats (while supplies last). Admission to the event is free with a business card, or a $5 charge for non-business individuals. Learn more »

 

 

Rodeo

Santa Maria Elks Rodeo

4040 Highway 101, Santa Maria
May 28 -June 1, 2025

It’s time to celebrate! SESLOC honors the Elks Rodeo & Parade for giving back to our community. From bull-riding to barrel racing, parades to queen contests, the Elks Rodeo provides an exciting and unique Western experience for us who call the central coast home. See you at the rodeo! Learn more »

 

Holiday Closures

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

“Great alternative to big corporate banks that profess to also be “people” but don’t remind you of any person that ever cared about you in the least.”

Shawn
 "We've been members of SESLOC since 1972. It was refreshingly user-friendly then and that attitude continues to this day."

Dan "Excellent place for depository accounts and loans. Low rates, one of the best online financial services and the people there are friendly... It truly feels like a hometown credit union."

Mary "All of the employees are always professional and greet everyone with a smile. On top of banking, I have used them for auto loans in the past and have always been happy with the rates and service."

Jennie "SESLOC has always come through for us, whether it is for car loans, mortgage loans or refinancing. The staff are attentive and friendly, their rates good. SESLOC is our bank for everything."

Mary "Love this bank! 🤗😁👍 The workers are sooo nice and friendly!!"

Lanie "The best place to go. Will never go anywhere else for financing my vehicles. Fast, easy, and friendly."

Greg "I love my credit union because they are straightforward and helpful. I appreciate the many ways that they support financial literacy in the community."

Stacey "This credit Union Rocks just like Incubus."

Aja
Read More Reviews
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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 7.00% (APR 7.146%*), the estimated monthly payment would be $775.30. 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.
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SESLOC Credit Union
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