Consumer Loans

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You can apply from within Online Banking,
at any branch location, by phone at 805.543.1816, or use our quick and
easy online application.
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Low cost loans are a key benefit of Credit Union membership. SESLOC offers a variety of loans at reasonable rates.

Signature Loans

This is an unsecured loan for a selected term that can be used for many purposes. It includes a fixed interest rate and easy repayment with periodic payment, payroll deduction, and online transfers.

Share Savings Secured Loans

This low cost loan is a good way to establish credit. Your savings account continues to earn dividends while you establish a loan repayment history.

  • Loan is secured by funds in the share savings account
  • Borrow the value of the savings account, less the $5 minimum balance
  • Rate is 3% over the share savings rate, or 4%, whichever is greater
  • Terms up to 60 months

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Share Certificate Secured Loans

Secured by funds in an individual share certificate (excluding IRAs or other tax sheltered certificates), this loan continues to earn dividends while you pay it down.

  • Borrow up to 100% of the share certificate value
  • Rate is 3% over the certificate rate, or 4%, whichever is greater
  • Terms up to 60 months or up to the remaining term of the share certificate

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Computer Equipment Loans

Finance your new computer, printer, scanner, and other peripheral equipment.

  • Borrow up to $5,000
  • Terms up to 36 months
  • Merchant invoice required

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Youth Agricultural Loans

This unique loan helps young members get started on their next animal project.

  • Borrow up to $1,500 for a one-year term
  • Make one payment of principle and interest
  • Payment due in full in 12 months or when the animal is sold
  • Requires a parent as co-signer

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People are more important than profits.

New to credit unions? Learn more about our philosophy and how your money stays local.



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