Celebrating 80 Years of People & Place

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

7.655^%

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 »

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

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.

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.

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.

See Why

Take it To Go

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

App Store

Google Play

SESLOC Business Services

Local. Stable. Flexible.

Learn More

Get Buying Power

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

Fast Pre-approvals

How to Create and Manage a Business Budget in Four Steps

These four small business budgeting steps can help you identify positive growth opportunities and prepare for financial difficulties.

Financial Capability Month Challenge: 30 Days to a Better Budget

A well-structured budget doesn’t have to be about cutting back – it’s about gaining control, reducing stress, and working toward what matters.

How the Psychology of Spending Affects Your Budget

To better manage our budgets, decrease debt and get control of our credit card spending, it’s best we understand our habits and start building new behaviors.

See all stories

Happening Now at SESLOC

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

Financial Webinars

Free and open to the public

Are you a parent looking to teach your teen important money lessons? It is never too early to start practicing good money habits. In fact, the earlier teenagers are exposed to good financial habits, the better chance they will become financially savvy. This is an important life lesson in general, but especially if your teen is close to their own independence. Join us in learning more about teaching your teen money lessons. Presented by SESLOC Education Outreach Manager Vincent Delgado.

Events & Celebrations

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 »

Holiday Closures

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

Stay Connected

Get SESLOC News+ delivered to your inbox.

“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

* 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.

Monday - Friday	8:00 AM - 6:00 PM
Saturday	9:00 AM - 1:00 PM
Sunday	Closed

Drive Your Business Forward

(805) 543-1816

We’re here to help.

Call our Contact Center:

TODAY’S RATES

BOOST TO EVERYDAY SAVINGS¹

offered on Primary Share Savings

3.56%

On the first $1,000.

Home EquityLoans ²

fixed rate as low as

7.655%

for a 20-year closed-end home equity loan.

Business AutoLoans ³

as low as

6.84%

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

DON’T TAX MY

CREDIT UNION.

Enjoy a Boost to Your Savings

3.56%

NOW IT IS EASIER TO EARN A

Level Up Savings Point

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

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.

- Protect Yourself From Scams -

Explore the new

SESLOC Fraud Center

Life happens.

SESLOC Instant Funds loans are here to help.

Drive Your Business Forward

Basic Business Vehicle Loans are now more affordable.

A must-have for all Mustangs.

Same benefits. Same rewards.

The best place to bank is not a bank.

It's here. At SESLOC.

Take it To Go

SESLOC Business Services

Local. Stable. Flexible.

Get Buying Power

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

Featured Stories from SESLOC News+

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

How to Create and Manage a Business Budget in Four Steps

Financial Capability Month Challenge: 30 Days to a Better Budget

How the Psychology of Spending Affects Your Budget

awarded to Central Coast schools.

SESLOC members strong.

awarded to money savers.

Happening Now at SESLOC

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

Financial Webinars

Events & Celebrations

EXPO at the Expo

Holiday Closures

Stay Connected

You're in!

* 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.

3.56^%

Home Equity
Loans ²

7.655^%

Business Auto
Loans ³

6.84^%

Enjoy a Boost to
Your Savings

3.56^%

The best place to bank
is not a bank.

* 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.