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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.)

3-MONTH CERTIFICATE
special ¹

offered on Consumer Share Certificates
3.56%
Minimum opening deposit of $1,000.

Home Equity
Loans ²

fixed rate as low as
8.673%
for a 20-year closed-end home equity loan.

Business Auto
Loans ³

as low as
7.59%
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.

Business

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

Feeling Pressured by Influencers? Here’s How to Take Control

Feeling Pressured by Influencers? Here’s How to Take Control

In today’s digital age, the rise of influencers has reshaped how we perceive ourselves and our financial standing. Social media platforms and reality TV shows often portray a glamorous lifestyle that many aspire to also achieve. However, beneath the surface, there’s a subtle yet powerful pressure to keep up financially, which can lead to significant challenges.

read more
How to Brace for Rising Home Costs: A Guide for Homeowners and Renters

How to Brace for Rising Home Costs: A Guide for Homeowners and Renters

Have you noticed your insurance bills skyrocketing lately? If so, you’re in good company. According to Policygenius, the average home insurance premium increased by 21% between May 2022 and May 2023. Combine this with rising housing costs, property taxes, and high interest rate debt, and it’s no wonder why so many Americans are struggling in today’s market.

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

Auto Buying

Buying a new car can be a daunting process, from trying to get the best deal to avoiding unwanted upsells and buyer’s remorse, it’s an experience most people dread. To avoid common car-buying mistakes in the current market, there are some tried-and-true steps you’ll want to follow, such as determining how much you can afford to spend, finding the best financing and feeling informed when you walk in the dealership. This webinar will guide you through the auto buying process, making it easy and seamless.

August 14, 12:00 p.m.

Dealing With Debt

Paying off debt can feel overwhelming, and it can be even more challenging to navigate all the options available and choose the best approach. Join us for a workshop to discuss a variety of payoff options, identify key differences, and weigh the pros and cons of each. Becoming debt free requires a plan, and we can help you develop one. From getting prepared, to staying on track, your goals around debt are within reach!

August 14, 11:00 a.m.

Events & Celebrations

 

All for All

I Love My Credit Union Day

Friday, July 26, 2024
The credit union movement will come together on this single day with the purpose of inspiring authentic and high energy conversation about why we love our credit unions.

 

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 7/19/24, is subject to change at any time without prior notice and will be determined and fixed for the term of the 3-month share certificate at account funding. This offer is valid for Consumer Traditional certificate accounts. This offer and term are not available for Business and IRA Share certificate accounts, and Building Block or Save to Win accounts. Required minimum opening deposit of $1,000. Any withdrawals, including fees, will reduce earnings on the account. Early withdrawal penalties and additional restrictions may apply.
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 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.