Are you ready to Level Up?

Level Up

A SESLOC Member Benefits Program1

Your membership at SESLOC is much more than just a bank account... it's a trusted relationship. And great relationships deserve great benefits. Many of you are already earning SESLOC Reward points on eligible debit and credit card purchases, redeemable for gift cards, travel experiences, merchandise and more. However, Level Up celebrates all that you do with SESLOC.


Top Benefits

waived check orders

Select Fee Waivers

rate discounts

Waived Check Orders

waived check orders

Discounted Rate on New
Eligible Consumer Loans2


How it Works

You’ll earn one point for each activity below, with a maximum earning of five points. Points are calculated on the last day of each month and include activity from the preceding 35 days. Add up your points, and check our handy chart to see which level you’re in. You’ll remain in that level for the entire month.

Transacting — +1 Point

Have a HomeFREE CheckingTM account with a debit card. In addition, make $500 in eligible deposits, OR 15+ eligible transactions.

Saving — +1 Point

Have $10,000+ in balances across all of your eligible share accounts OR have a SESLOC Wealth Management account.3

Borrowing — +1 Point

Have an eligible loan, including auto, credit card, consumer and mortgage loans.

Borrowing Again — +1 Point

Have two or more eligible loans open at the same time, including auto, credit card, consumer and mortgage loans.

Loyalty — +1 Point

Have 7+ years of continuous membership.

 


Not sure what level you’re in?

That’s ok, we’ve got you covered. We calculate your status on the last day of each month and it is available for review the following day. It is listed on your consumer Primary Share Savings account statement, or you may call us or visit any branch to check your status. 

SEE OUR HELPFUL FAQs »

 


 

See How You Can Level Up

Or, visit any branch or call (805) 543-1816.

 


 

Your Benefits. Do More. Get More.

 

       

The more points you have, the more benefits you get. 

Even if you have zero points today, SESLOC Membership is rewarding.

Level One Level Two Level Three

0 - 1
Points

2 - 3
Points
4 - 5
Points

everyday member benefits

 

 

 

Everyday Member Benefits 
Enhanced security, more convenience and helping monthly budgets go further.

 

 

 

 

 

 

 

 


 


 


 

rate discount

Rate Discount on New Eligible Consumer Loans

None

0.25% 2 

0.38%2 

 

 


 


 


 

mortgage loans

 

Reduced Origination Fees for Eligible Mortgage Loans 

None

$75 off 2

$125 off 2

 

 


 


 


 

waived SESLOC ATM Withdrawal Fees

 

 

Waived SESLOC ATM Withdrawal Fees at non-SESLOC/non-CO-OP ATMs, a $2 value per transaction.

None

Up to 12
per year 
4

Up to 24
per year
4

 

 


 


 


 

waived stop payment Fees

 

Waived Stop Payment Fees
A $20 value per request.  

None

Unlimited

Unlimited

 

 


 


 


 

waived check orders

 

Waived Check Orders
A $22 value per order.

Online orders are not eligible.

None

None

Up to 2
per year


Everyday Member Benefits5

Available at Every Level

 

  HomeFREE CheckingTM Account with no minimum balance and no monthly fee.

  Access to Direct Deposit Funds a Day Early6

  Complimentary Identity Theft Recovery + Mobile Phone Insurance with HomeFREE Checking

  Earn SESLOC Rewards Points on Debit Card Purchases

  Combine Debit and Credit Card Reward Points earned with your HomeFREE CheckingTM debit card and Visa Signature® Rewards credit card purchases.

  Surcharge-Free ATM Transactions at SESLOC and CO-OP ATMs, which includes 55 local and 30,000+ nationwide.

  All Loan Payment Options are Fee-Free, even by phone and online.

  Free Financial Education Opportunities, which include webinars, personal SESLOC Money Coaches, eBooks, online calculators, financial counseling, and more.

  Discounted Rates on TruStage™ Insurance Products

  Free Shred Days, where your confidential documents can be shredded at our Shred Day events throughout the year.

  Free Remote and Digital Banking, which includes Online Banking, SESLOC Mobile App, CardSwap, budgeting tools, eStatements, Live Chat and Video Banking.

  No Prepayment Penalties on Loan Payoffs

 


 

See How You Can Level Up

Or, visit any branch or call (805) 543-1816.

 


 

1. The Level Up Member Benefits Program (“Program”) is provided by SESLOC Federal Credit Union (“Credit Union”). The Program is available to consumer memberships, for which the primary consumer member is eighteen (18) years in age or older and is a member in good standing with the Credit Union. The Program is automatically available to an eligible consumer membership. Please visit sesloc.org, Online Banking or any branch for the Level Up Member Benefits Program Disclosure (“Disclosure”) for more information regarding the terms and conditions of the Program. Certain restrictions and other limitations apply. By establishing or maintaining a consumer membership you are accepting the terms and conditions of the Program. If you prefer not to participate in the Program you may opt-out, see the Disclosure for more details. The Program terms, conditions and benefits may be amended at the sole discretion of the Credit Union and are subject to change without notice, except where required by law.

2. All loans subject to credit union approval.

3. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

4. Restrictions apply. Refer to the Level Up Member Benefits Program Disclosure for more information.

5. Everyday Member Benefits are not exclusive to the Program and are available to Credit Union members in accordance with disclosures and agreements between the Credit Union and the Consumer Member, including but not limited to the Member Application, the Member Account Agreement and Disclosure, Truth-in-Savings disclosures, all Fee Schedules, Rate Sheets and other account agreements and disclosures. For benefits including but not limited to Identity Theft Recovery + Mobile Phone Insurance, SESLOC Rewards, SESLOC Shred Days, EasyPay, insurance products through TruStage® Insurance Agency, LLC, and financial counseling through GreenPath, Inc., refer to their individual Terms and Conditions disclosures located on sesloc.org or visit a SESLOC branch for more details regarding benefit terms, conditions, limits, restrictions and eligibility that apply. Some services require primary consumer member to agree to separate terms and conditions. Insurance offered through TruStage® Insurance Agency, LLC is a not a deposit and is not federally insured. The insurance coverage offered through TruStage® is not sold or guaranteed by the Credit Union.

6. Early access to direct deposit funds subject to employer and/or payer terms and conditions. SESLOC Federal Credit Union (“Credit Union”) generally makes these funds available on the day the payment file is received, which may be up to one (1) day earlier than the scheduled payment date. The Credit Union cannot guarantee early access of a direct deposit payment. Other exceptions may apply.

 

View the complete Level Up Member Benefits Program Disclosure »

 

 

 

  1. 1
  2. 3
  3. 2
  4. 4
  5. 5
  1. 1
  2. 3
  3. 2
  4. 4
  5. 5