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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.

†. Special offer is to receive 25,000 in bonus points when you spend $2,500 on purchases with the Visa Signature Rewards credit card within the first 60 days from account opening. The Special Offer is subject to cancellation at any time, without notice. The Special Offer is only applicable on purchases made with your Visa Signature Rewards credit card. Contact (805) 543-1816 for the most current information.

1. The Annual Percentage Yield (APY) is effective as of 10/20/2022, is subject to change at any time without prior notice and will be determined and fixed for the term of a 2-year share certificate at account funding. This offer is valid for Consumer, Business and Traditional, Roth and SEP IRA accounts. Deferred Compensation accounts are excluded from this offer. Required minimum opening deposit of $1,000 for Consumer and Business accounts, and $500 for IRA 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 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 5.50% (APR 5.751%*), the estimated monthly payment would be $687.89. 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 2022 and 2021. Payment Example: A $30,000 loan, at 6.75% APR for 60 months would have an estimated monthly payment of $590.05. 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.