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Joining SESLOC is Quick and Easy

Why should I join?

We are 55,000+ members strong.

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. We've offered value-saving financial products and services since 1942. 


Am I eligible?

If you live, work or attend school in San Luis Obispo or Northern Santa Barbara County, you are eligible to 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.

What are the benefits of membership?

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

Free tools to improve your financial IQ

  • Webinars & Seminars – Watch a live webinar or attend a live seminar once we can safely resume in-person events. Topics include home buying, retirement planning, credit management and more, all presented by SESLOC's experts.
  • 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 – Track spending and visualize your finances with Financial Tools in Online Banking.
  • Financial Counseling – Our partner, GreenPath, offers personally tailored programs for those facing financial crisis, like overwhelming debt, foreclosure and more. 

Free Checking Accounts

One of the best membership "benefits" is access to our HomeFREE Checking account, which has no monthly fee and no minimum balance requirement. It includes free Identity Theft Services and points with every purchase. When you join online, simply check "yes" to adding a HomeFREE Checking account on your membership. 

Identity Theft Program

When you open a HomeFREE Checking account, you get Identity Theft Recovery & Mobile Phone Coverage, worth hundreds of dollars per year. 

SESLOC Rewards Program

When open a HomeFREE Checking account and register for SESLOC Rewards, you earn points for every debit pruchase. Redeem points for merchandise, gift cards, travel, fuel at the pump, and more. Combine points earned with those earned on purchases with a Visa Signature® Rewards credit card. 

Shred Days

We offer free shredding of your confidential documents throughout the year. While these events have been paused due to COVID, we hope to bring it back soon!  Learn more.


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

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.


Stay at home! Open an account online in minutes. 


You may also visit any SESLOC branch to open your first account. Appointments are strongly encouraged due to the COVID-19 pandemic.


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.



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