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special ¹

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

Home Equity
Loans ²

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

Business Auto
Loans ³

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


Hispanic Heritiage Month

September 15 – October 15

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.

Los Osos ATM


Now serving the Los Osos community with a fresh new SESLOC ATM, conveniently located outside of Ralph’s Grocery store.

More ease, more access. That’s People & Place.

Take it To Go

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


SESLOC Business Services 

Local. Stable. Flexible.

Home Sweet Home

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 Budget During Difficult Times

How to Budget During Difficult Times

Many people are seeing changes in their purchasing power with continued inflation and rising interest rates. Paying more for food, gas, utilities and a variety of other goods and services affects all of us. In addition, consumer debt has never been more costly.

read more
SESLOC Celebrates Hispanic Heritage Month

SESLOC Celebrates Hispanic Heritage Month

SESLOC is celebrating Hispanic Heritage Month from September 15th to October 15th and the important contributions Hispanics and Latinos make to strengthen our community. To join in the celebration, check out some festive local celebrations planned for 2023:

read more

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

Free and open to the public


Join us for an engaging and informative conversation where we will dive into the world of cybersecurity and explore the latest scams that threaten our digital lives. SESLOC’s own IT Officer Robert Yamasaki 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 18, 12:00 p.m.

This webinar uses Zoom. Prior to accessing the webinar, please go to and register your name and email address for a free account. Zoom will need to be enabled on your desktop, or downloaded as an app to access from your phone or tablet.

Holiday Closures

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

* 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 8/25/23, is subject to change at any time without prior notice and will be determined and fixed for the term of a 12-month share certificate at account funding. This offer is valid for Consumer Share Certificate accounts. Deferred Compensation accounts are excluded from this offer. Required minimum opening deposit of $1,000 for Consumer accounts. Any withdrawals, including fees, will reduce earnings on the account. Early withdrawal penalties and additional restrictions may apply. Visit any SESLOC branch office for details.
2. See all current mortgage rates at 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 8.500% (APR 8.673%*), the estimated monthly payment would be $867.82. 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. New Vehicles for years 2023 and 2022. 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.