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Online Bill Pay
Bill Pay Restoration

Good news! The restoration was sucessful.

Get the most out of this service. Check out our how-to articles and videos.

State Charter Conversion

For continued growth and expansion of products and services, SESLOC Board of Directors and Management are embarking on a plan to convert from a Federal to a State Chartered Credit Union.

SESLOC Members have voted to approve the conversion.

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.

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

SESLOC President & CEO Announces Retirement

SESLOC President & CEO Announces Retirement

SESLOC Credit Union announced today that Geri LaChance will retire as President and CEO effective June 2024 after 12 years of leadership at the credit union. LaChance will be succeeded by Executive Vice President/Chief Financial Officer Mike Quamma.

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

Webinar Psychology of Spending

Ever wonder why you spend money the way you do? The Psychology of Spending webinar will explore the external factors that influence buying behavior, money personalities, ways to control spending, and strategies to overcome the forces that make us spend. Join us in learning more about your spending. Presented by SESLOC Education Outreach Manager Vincent Delgado.

March 20, 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.

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.

All for All

Annual Meeting of Members

Join us for our Annual Meeting of Members where you’ll receive the Annual Report, hear the financial reports, and learn about the previous year’s achievements, and find out about plans for the coming year.

WHEN: Tuesday, March 19, 2024
Doors open at 5:45 p.m.,  Meeting at 6:15 p.m.

WHERE: SESLOC Headquarters
3855 Broad Street, San Luis Obispo


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.