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Savings Accounts

Dad and son on hilltop Save to Win

Savings Accounts


Financial health starts here.

Our savings accounts offer tiered dividends (higher balances earn higher rates) and easy access to your money.

Share Savings Account

Become a SESLOC member with a $5 non-refundable membership fee and a $5 minimum deposit into your Primary Share Savings account. Once your membership is established, you can immediately take advantage of all the benefits of Credit Union membership. Additional savings account products are below, but be sure to explore more options in our retirement section.

Share Certificates

Watch your money grow. Earn high yields on long-term funds while saving for planned purchases.

Money Market

Earn higher dividends while maintaining access to funds for new expenses or emergencies.

Save to Win
Share Certificate

Open a Save to Win share certificate and every time you make a $25 deposit (up to 100 entries per month), you’ll be entered in a monthly and quarterly prize drawing for a chance to win up to $5,000.

Open Your Savings Account Today


Join and open an account online in minutes.


Open an account in Online Banking.

Save to Win and Building Block certificates may also be opened online.

You can also visit any branch or call our Contact Center at (805) 543-1816.
For additional information, see How to Join »

Change it Up

Our Change it Up savings program allows you to round up your everyday debit card purchases to make an automatic deposit into your Savings account.*

*Terms, conditions, restrictions and eligibility apply. See details.

It’s an easy, automatic way to save money.

A group of friends enjoy coffee on the Central Coast.

Your Money is Safe at SESLOC

Accounts are insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency. 



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

Tips for Financial Health

From the News+ Blog