Credit Cards
Credit Cards
Whether you need access to shopping power or want to make affordable balance transfers, we have options for you. Choose your card:
Visa Signature® Rewards card 1
Earn points today for an upgraded tomorrow.
- Earn 1.5 reward points for $1 spent on purchases 2, redeemable at SESLOCRewards.org
- Combine reward points earned with HomeFREE Checking debit card points under one account
- No foreign transaction fee
- Access to Visa Signature card benefits 3
- Perfect for traveling and large or frequent purchases
Visa® Credit Card 4
Our classic, fixed-rate card. Always affordable. Basically essential.
- Low, fixed rate
- No penalty rates
- Free balance transfers
- Perfect for building credit or transferring balances from high rate cards
- An everyday value you’ve come to expect from SESLOC
Effective January 16, 2026
Cash Advance Fees Eliminated
The Cash Advance Fee for SESLOC Visa Signature® Rewards, Visa® and Visa® Share Secured consumer credit cards has been eliminated. Previously, SESLOC had a 1.00% fee on the amount of each cash advance. We are pleased to eliminate this fee to better support your financial goals.
Please note that this change does not affect Business Visa® credit cards; fees for business credit cards remain unchanged as detailed in your Commercial Credit Card Agreement.
Free Balance Transfers
Already have a SESLOC Visa Credit Card?
Ditch your high rate credit card(s) and transfer the balance. You could save on interest, making your monthly budget go a little further. Plus, enjoy freedom from penalty or variable rate increases.
Submit a request in Online Banking, quickly and securely using DocuSign, or download a printable PDF.
We are headquartered in San Luis Obispo, CA.
SESLOC members are eligible to apply for loans. You are eligible for SESLOC Membership if you live, work or go to school in San Luis Obispo, Santa Barbara, Monterey, Santa Cruz, Kern, Fresno, Tulare, Kings and Ventura counties in California. ITINs accepted.
1. Please see the Visa Signature® Rewards credit card rates and fees in the Application and Solicitation Disclosure. Minimum credit limit is $5,000.00.
2. Please see the SESLOC Rewards Terms and Conditions.
3. Certain terms, conditions and exclusions apply. See a summary of Visa Signature® card benefits, and view the complete benefits guide.
4. All loans subject to credit union approval. Read the details of the Visa Terms and Conditions.
Credit Card Tips
From the News+ Blog
Three Situations When You Should Use a Credit Card
From better consumer protections to earning valuable points towards your next vacation, there are a lot of great benefits that come with using a credit card. Here are three situations where you should absolutely choose a credit card at checkout.
Avoid Using Credit Cards in These Three Situations
Before you break out that credit card, it’s crucial to know when using one makes the most sense. Here are three situations where you may want to pay with a different way – if you pay at all.
Beware of Skimmers & Shimmers
While owners of vulnerable transaction terminals try to secure their devices, and law enforcement continues to shut down these criminal enterprises, you can also play a part in stopping card fraud and identity theft. Follow these steps to detect when a card terminal may be at risk, and if you see something, say something!
Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
