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Family having dinner in their backyard.

Share Certificate

Certificate

Savings Accounts

Dad and son on hilltop Save to Win

Share Certificate Accounts

Watch your money grow. Earn high yields on long-term funds while saving for planned purchases.

Now offering more dividends on higher balances.

You have a choice in where you deposit your hard-earned money. To show our appreciation for choosing SESLOC, we’re now offering a higher annual percentage yield (APY) on Consumer Traditional Share Certificates with higher balances.

Because when you save big, you should earn big.

3.30%

APY

SPECIAL RATE

offered on 3-month
Share Certificates. 

HURRY!

Lock in this special rate when you open a SESLOC 3-month Share Certificate and start earning dividends. Plus, earn more on higher balances with our new tiered rate structure.

This great rate is only available for a limited time.

†APY = The Annual Percentage Yield (APY) is effective as of 2/5/25, is subject to change at any time without prior notice and will be determined and fixed for the term of the 3-month share certificate at account funding. This offer is valid for Consumer Traditional certificate accounts. Required minimum opening deposit of $1,000. Any withdrawals, including fees, will reduce earnings on the account. Early withdrawal penalties and additional restrictions may apply. 

Traditional Share Certificate

Earn the highest dividend rates the Credit Union offers with a Traditional Share Certificate. The longer you save, the more you earn. Lock in your rate for the term you select and watch your dividends compound monthly.

  • $1,000 minimum deposit
  • 3, 6, 12, 15, or 18 month terms, as well as 2 – 5 year terms available
  • New! Earn even more dividends with our tiered rate structure.

Building Block Add-On Share Certificate

Earn generous dividends while saving for annual expenditures, such as vacations, taxes or holiday gifts. Dividends compound monthly.

  • $250 minimum deposit
  • Add deposits of $25 or more anytime during the 1-year term

Save to Win Share Certificate

Open a Save to Win share certificate and every time you make a $25 deposit (up to 100 entries per month), you’ll be entered in a monthly and quarterly prize drawing for a chance to win up to $5,000.

  • $25 minimum deposit
  • 12-month term
    Open a Share Certificate account

    NOT A MEMBER?

    Join online, then you can open your Share Certificate account at any branch.

    CURRENT MEMBERS

    Open an account in Online Banking.

    Save to Win and Building Block certificates may be opened online.

    You can also visit any branch or call our Contact Center at (805) 543-1816.
    For additional information, see How to Join »

    Early withdrawal penalties apply to all share certificate types. Defer to your share certificate disclosure for other terms, conditions and restrictions.

    Your Money is Safe at SESLOC

    Accounts are insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency. 

    Tips for Financial Health

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    “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
    SESLOC Credit Union
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