diverse group of people

How to Join

Establish your Credit Union membership with a $5 deposit to a share savings account and a one-time $5 membership fee. Simply visit any SESLOC branch, no appointment is needed, or call us at (805) 543-1816 to get started.

Please see "a note for new accounts" below for USA Patriot Act ID requirements.


  Easily move your existing accounts to SESLOC by using our Switch Kit »


Who may join?

If you live, work or attend school in San Luis Obispo or Northern Santa Barbara County, you can join SESLOC. You are also eligible if your immediate family member belongs to SESLOC (parent, grandparent, child, grandchild, siblings, including step-relationships). Minors are welcome to open accounts, too. Joining a credit union is a great way for young people to begin learning money management skills.


Why join?

When you open an account, you become an owner in a not-for-profit financial cooperative and pool your funds with other local people in order to enjoy financial advantages. We have no outside investors, which means profits are returned to members in the form of lower loan rates, higher savings dividends, and many free or low-cost services. Our only loyalty is to our member-owners.


What if I move?

Even if you move out of the area, you remain a member of SESLOC when you maintain a membership account in good standing,


A Note for New Accounts — The USA Patriot Act requires financial institutions to verify your identity when opening an account. When you open an account, you and any joint owner(s), will be asked to provide your name, residential address, date of birth, Social Security number, and a current government issued photo ID, such as a driver's license. Additional requirements apply to accounts opened by mail.