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Special Offer

Just for SESLOC Members

You can get 20% OFF your purchase of full-priced plants, pottery and bagged soil at any Farm Supply location across the Central Coast.

HURRY! This offer ends June 30, 2024

(Terms and conditions apply, click learn more for details.)
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.)

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.
The best place to bank
is not a bank.

It's here. At SESLOC.

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.

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

New Instant Funds Loan Empowers Individuals Facing Financial Emergencies

New Instant Funds Loan Empowers Individuals Facing Financial Emergencies

SESLOC Credit Union is thrilled to introduce the Instant Funds loans, a new short-term, small-dollar loans program designed to support individuals in need of emergency financial assistance. Keeping the credit union philosophy of “people helping people” in mind, we are introducing this product to ensure there is financial support for the underserved and underbanked in the Central Coast community.

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

Scams & Fraud

Join us Tuesday, June 18 at noon at our San Luis Obispo Headquarters for an engaging and informative conversation. We’ll 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 and 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.

June 18, 12:00 p.m.

GreenPath Webinar

Are you looking to buy your first home? This is an exciting step! The process may also feel overwhelming or difficult to navigate. Our partners at GreenPath are here to help! HUD-approved housing counseling agency GreenPath is joined by real estate agent David King to help break down the process of homebuying and set you up for success as you prepare to own your first home.

June 26, 10:00 a.m.

Events & Celebrations


member benefits

Shred Day: San Luis Obispo

SESLOC Headquarters
3855 Broad Street, San Luis Obispo, CA 93401

Saturday, June 8, 2024
9:00 a.m. – 12:00 p.m., or until the partner trucks are full

See details »


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.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.