Celebrating 80 Years of People & Place

Show some local love.
Get some love back.

see how SHOP LOCAL join us

Free Checking | Auto Loans | Home Loans

Para Todos

See why

Level Up.

Unlock more member benefits.

We’re the credit union with the funny name.

Earn bonus points on purchases
at participating local businesses.

Show some local love.
Get some love back.

see how SHOP LOCAL join us

Free Checking | Auto Loans | Home Loans

Para Todos

See why

Level Up.

Unlock more member benefits.

We’re the credit union with the funny name.

Earn bonus points on purchases
at participating local businesses.

Celebrating 80 Years

of serving the Central Coast

Join us at the branch for special treats and giveaways
at our monthly pop-up Member Appreciation Days.

See schedule of activities

Celebrating 80 Years

of serving the Central Coast

Join us at the branch for special treats and giveaways at our monthly pop-up Member Appreciation Days.

See schedule of activities

Take it To Go

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

App Store

Google Play

TODAY’S CONSUMER RATES

VIEW RATES

Home Loans¹

as low as

5.101^%

for a 30-year fixed rate conforming loan purchase with 1.000 points.

Auto Loans²

as low as

2.75^%

for a new vehicle loan with a term up to 60 months.

Personal Loans³

as low as

7.90^%

for a closed-end, Signature Loan.

Bank life balance.

Free up your free time.

SESLOC Business Services

Local. Stable. Flexible.

Learn More

Get Buying Power

It’s time to purchase your Central Coast dream home.

Fast Pre-approvals

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 »

80 Years: May Charitable Giving Roundup

We’ve asked our incredible staff to nominate their favorite 501-(c)(3)-designated organizations. Here are the eight groups we’ve selected for April:

Shop Local With Local Rewards

Local Rewards is here! We’re thrilled to announce the launch of this brand new program, where you can earn bonus rewards points on purchases made at partnering businesses when you use your eligible SESLOC Visa debit and credit cards.

Should You Try Cash Stuffing?

#CashStuffing has quickly gained popularity on social media as people look for ways to adjust their spending to accommodate increasing prices at the gas pump and store shelves. Cash stuffing is basically a rebranding of the old tried and true method called the envelope system — take out cash at payday for discretionary purchases and divide it into dedicated envelopes for different spending categories, like gas, groceries, dining out, and so on.

See all stories

Happening Now at SESLOC

Join us for these upcoming member education opportunties, events and celebrations.

Financial Webinars

Free and open to the public

Webinars From the Vault: What to Know About Child Identity Fraud

Watch online

In What to Know About Child Identity Fraud, we talk about why scammers target children for identity theft crimes and discuss the warning signs to look out for. Plus, learn tips for responding to fraudulent activity, and steps you can take to prevent it. Presented August, 10, 2021 by Carla Swift, AVP of Education & Service Management.

Watch Now

Events & Celebrations

Support Our Local Food Banks.

Online & in branches
May 1 -31, 2022
Your donations have a tremendous impact. Just $1 buys enough food to make 7 meals. Donate Now »

EXPO at the Expo

Alex Madonna Expo Center
May 18, 2022 | 4:00-7:00 p.m.
The EXPO at the Expo, hosted by the San Luis Obispo Chamber of Commerce, brings together more than 100 local exhibitors. Local businesses are welcome to stop by the SESLOC People & Place booth for giveaways, while supplies last. Admission to the event is free with a business card, or a $5 charge for non-business individuals. See details »

Bike Breakfast with SESLOC

during RideShare SLO’s bike month
May 20, 2022 | 7:15-9:00 a.m.
May is Bike Month, and we’re supporting RideShare SLO with special treats for bike commuters on Broad Street, just outside our SLO branch (while supplies last). Please note that the branch will be closed during this event. See details »

Celebrating 80 Years of Awesome

1942-2022
We’re celebrating 80 years as the longest-established credit union on the Central Coast. See all activities.

Holiday Closures

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

Stay Connected

Get SESLOC News+ delivered to your inbox.

“Great alternative to big corporate banks that profess to also be “people” but don’t remind you of any person that ever cared about you in the least.”

Shawn

"We've been members of SESLOC since 1972. It was refreshingly user-friendly then and that attitude continues to this day."

Dan

"Excellent place for depository accounts and loans. Low rates, one of the best online financial services and the people there are friendly... It truly feels like a hometown credit union."

Mary

"All of the employees are always professional and greet everyone with a smile. On top of banking, I have used them for auto loans in the past and have always been happy with the rates and service."

Jennie

"SESLOC has always come through for us, whether it is for car loans, mortgage loans or refinancing. The staff are attentive and friendly, their rates good. SESLOC is our bank for everything."

Mary

"Love this bank! 🤗😁👍 The workers are sooo nice and friendly!!"

Lanie

"The best place to go. Will never go anywhere else for financing my vehicles. Fast, easy, and friendly."

Greg

"I love my credit union because they are straightforward and helpful. I appreciate the many ways that they support financial literacy in the community."

Stacey

"This credit Union Rocks just like Incubus."

Aja

* 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.

1. 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. Interest rate and APR may vary depending on the terms of the loan. All specific interest rates and APRs, as well as other terms and conditions are disclosed during the application process. Example shown is for a 30-year fixed rate conforming loan with 1.000 points. Payment Example: For a fixed rate loan in the amount of $400,000 for 30 years with an initial interest rate of 4.000% (APR 4.049%*), the estimated monthly payment would be $1,909.66. 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. Conforming fixed rate loan available for loan amounts of $510,400.00 or less.

2. Rate displayed is for new vehicles with up to a 60 month term. Lowest rates include a 0.25% rate reduction based on financing 80% or less of MSRP or high Retail Kelley Blue Book. APR is 2.00% higher for vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Financing available up to 120% of MSRP or Retail Kelley Blue Book, plus tax and license. Option to defer payments up to 90 days; interest accrues from the funding date and during the deferral period. No prepayment penalties. APR and terms subject to applicant qualification and specific vehicle qualifications. Payment Example: A $30,000 loan, at 4.79% APR for 72 months, would have an estimated monthly payment of $480.21.* See our payment calculator.

3. All loans subject to credit union approval. Payment Example: For a Signature Loan in the amount of $10,000.00, for a 60 month term at a 10.90% APR, the estimated monthly payment would be $ 216.93. Actual monthly payment amounts vary based on final loan terms and rate.

Monday - Friday	8:00 AM - 6:00 PM
Saturday	9:00 AM - 1:00 PM
Sunday	Closed

(805) 543-1816

We’re here to help.

Call our Contact Center:

Celebrating 80 Years

of serving the Central Coast

Celebrating 80 Years

of serving the Central Coast

Take it To Go

TODAY’S CONSUMER RATES

Home Loans¹

as low as

5.101%

for a 30-year fixed rate conforming loan purchase with 1.000 points.

Auto Loans²

as low as

2.75%

for a new vehicle loan with a term up to 60 months.

Personal Loans³

as low as

7.90%

for a closed-end, Signature Loan.

Bank life balance.

Free up your free time.

Mobile Deposit

Apply for a loan

Video Banking

SESLOC Business Services

Local. Stable. Flexible.

Get Buying Power

It’s time to purchase your Central Coast dream home.

awarded to Central Coast schools.

SESLOC members strong.

awarded to money savers.

Featured Stories from SESLOC News+

Our latest events, community stories and tips to boost your financial IQ

80 Years: May Charitable Giving Roundup

Shop Local With Local Rewards

Should You Try Cash Stuffing?

Happening Now at SESLOC

Join us for these upcoming member education opportunties, events and celebrations.

Financial Webinars

Events & Celebrations

Support Our Local Food Banks.

EXPO at the Expo

Bike Breakfast with SESLOC

Celebrating 80 Years of Awesome

Holiday Closures

Stay Connected

You're in!

* 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.

3. All loans subject to credit union approval. Payment Example: For a Signature Loan in the amount of $10,000.00, for a 60 month term at a 10.90% APR, the estimated monthly payment would be $ 216.93. Actual monthly payment amounts vary based on final loan terms and rate.

5.101^%

2.75^%

7.90^%