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January 2007

New Year – New Look

Get Back 25% of the Interest You Pay in 2007!

Get Your Cash in a Flash

Meet the Candidates for 2007

Cast Your Ballot Online

Annual Meeting Announced

Multifactor Authentication Helps Safeguard Account Information

Pump Up Your Finances with Our New Home Equity Loan

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Current Rates
Employment Opportunities
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E-Statement winner. SESLOC presented a $75 gas card to Dallas Washington in September. Marketing Director Carla Swift presents Dallas the check just for signing up for e-Statements. August winner Richard Jenne Sr. is not pictured.

Pump Up Your Finances with Our New Home Equity Loan


You could be sitting on a large amount of money. Call (805) 543-1816 or (805) 227-1030 to see how you can tap your home's equity.

Now SESLOC Federal Credit Union gives you another way to tap the power of your home's equity: the SESLOC Home Equity Loan.

If you've accumulated equity in your home – whether through regular mortgage payments, an increase in market value or both – you have a powerful financial tool at your disposal. A Home Equity Loan from SESLOC features:

  • A lump-sum loan that can be used for almost any purpose, from home remodeling to debt consolidation to taking a dream vacation.
  • A low, fixed rate for the first five years, adjusted annually thereafter.*
  • A 20-year term, amortized over 30 years to help keep payments affordable.**
  • Potentially tax-deductible interest (consult your tax advisor for more information).

We Give You Choices
Whether you need a lump-sum Home Equity Loan or the flexibility of a Home Equity Line of Credit, SESLOC can help. To learn more about our new Home Equity Loan or our “Prime Minus One” or “100% Prime” Home Equity Lines of Credit, visit us online at www.sesloc.org, call (805) 543-1816 (from San Luis Obispo and South County) or (805) 227-1030 (from North County) or stop by your local branch.

Rate based on borrower's credit score and combined loan to value (CLTV). Indexed to the 11th district cost of funds. Annual cap is 1%; lifetime cap is 5%.
**  At 6.25% APR (annual percentage rate) for a 20-year term amortized over 30 years, the monthly principal and interest payment on a $25,000, up-to-80% CLTV equity loan would be $153.93 for the first five years; rate and payment adjust annually thereafter. Rates, terms and conditions are subject to change without notice. Visit www.sesloc.org for details.