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Am I eligible?

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 should I 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. That's why we like to say "You're lending to your neighbor next door." 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 are the benefits of membership?

In addition to low fees, great rates and uncomplicated pricing, you'll love these member benefits: 

Tools to improve your financial IQ

  • Seminars - Attend a live seminar at your nearest branch or watch online. Topics include home buying, retirement planning, credit management and more. 
  • How-Tos and Tips - We provide articles videos and more to help you manage your money wisely. 
  • Money Coaches - Keep your budget on track with a 1:1 personal coach - complimentary for members!
  • Calculators - Estimate loan payments, retirement savings and more. 
  • Budgeting Tools - Set goals and visualize your finances with the Money Manager tool in Online Banking.

Shred Days

We offer free shredding of your confidential documents throughout the year. See upcoming events.


Receive discounted rates and 24/7 claims service for auto, AD&D, home, health and life insurance programs. 

Identity Theft Services

As a member, you can open a HomeFREE Checking account which comes with free Identity Theft Services, worth hundreds of dollars per year. Enjoy peace of mind with reimbursement for out-of-pocket expenses incurred from identity theft (limits apply). With no minimum balance, no monthy fees and points with every debit purchase, it makes sense to make the switch.

How do I get started?

Establish your Credit Union membership with a $5 deposit to a Primary Share Savings account and a one-time $5 membership fee. Then, you're eligible* for all credit union benefits, including our popular HomeFREE Checking account.

Applying or a Loan? You don't need to join online or at the branch first. Get started with your loan application now, and we'll help you join. 



You may also visit any SESLOC branch to open your first account. You can make an appointment, or walk-ins are accepted.


A Note for New Accounts — The USA Patriot Act requires financial institutions to verify your identity when opening an account. You and any joint owner(s) will be asked to provide a current California Driver’s License (and proof of address if you’ve moved) plus social security number(s). Accounts that can be opened by mail may have additional requirements. If you do not have a California Driver’s License, you may use a current government-issued photo ID.

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.

*Being a “member in good standing,” is required to receive all credit union benefits. If you haven’t attempted to defraud the credit union or caused it to suffer a loss, you are a member in good standing.

Rated 5 Stars by BauerFinancial, Inc.



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