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Skip A Pay

Oh dear! Is your holiday budget stretched thin?

Skip A Pay

can help free up cash for the holidays.

Go ahead. Skip an eligible loan payment this November or December.

Friday, December 27, 2024 is the last day to submit a form.

Apply Now
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
Strawberry lemonade

A SPECIAL OFFER

Just for SESLOC Members:

FREE strawberry lemonade

with the purchase of an entrée at the

Maya Mexican Restaurant Food Truck

While supplies last

Maya skull
Learn More
(Terms and conditions apply, click learn more for details.)

TODAY’S RATES

VIEW Consumer RATES
VIEW BUSINESS RATES

3-MONTH CERTIFICATE
special ¹

offered on Consumer Share Certificates
3.56%
Minimum opening deposit of $1,000.

Home Equity
Loans ²

fixed rate as low as
8.164%
for a 20-year closed-end home equity loan.

Business Auto
Loans ³

as low as
7.59%
for a new vehicle with less than 12,000 miles with a term up to 60 months.

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
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CELEBRATING

Hispanic Heritiage Month

September 15 – October 15

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

Finish Strong: End of the Year Money Moves for 2024

Finish Strong: End of the Year Money Moves for 2024

As the year comes to a close, it is essential to address your financial needs before the holiday rush begins and set yourself up for a successful 2025. Here are four steps to help you establish a solid financial foundation and enjoy a stress-free start to the new year.

read more
Mortgage Pre-Approval: Your Key to Successful Home Buying

Mortgage Pre-Approval: Your Key to Successful Home Buying

With the Federal Reserve having lowered interest rates, you may be thinking that now is the perfect time to consider purchasing a home. If you are ready, it is best to proactively position yourself in an advantageous spot as a buyer by completing a mortgage pre-approval before you begin house hunting.

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

Scams & Fraud

Join us for an engaging and informative conversation where we will dive into the world of cybersecurity and explore the latest in fraud and scams that threaten our digital lives. SESLOC’s own VP Information Technology Kevin Davis, Information Security Officer Robert Yamasaki and Member Services Representative Miranda Hernandez will share valuable insights, practical tips, and real-life examples to help you stay one step ahead of cybercriminals. Don’t miss this opportunity to enhance your knowledge and protect yourself from evolving cyber threats.

October 23, 12:00 p.m.

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

 

All for All

International Credit Union Day

Thursday, October 17, 2024
The credit union movement will come together to celebrate the credit union difference.

 

All for All

Notice of Elections for SESLOC Directors

Each spring, SESLOC members select Directors to lead our Credit Union. From October 1, 2024 – November 20, 2024, we are accepting applications for nominations for qualified members who are willing to volunteer as Credit Union directors in a governance capacity for a three-year term.

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. The Annual Percentage Yield (APY) is effective as of 7/19/24, 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. This offer and term are not available for Business and IRA Share certificate accounts, and Building Block or Save to Win 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.
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 8.000% (APR 8.164%*), the estimated monthly payment would be $836.44. 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 8.59% APR for 60 months, would have an estimated monthly payment of $616.80. 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.