Rates below are effective Janaury 1, 2022. Rates are subject to change without notice. All loan rates are based on approved credit.

Savings Accounts

Share Savings and Holiday Savings

$5 minimum opening balance for Primary Share Savings.

Balance Dividend Rate APY1
Savings  $0.00 - $2,499.99 balance 0.05% 0.05%
Savings  $2,500.00 - $24,999.99 0.05% 0.05%
Savings  $25,000.00 - $49,999.99 0.05% 0.05%
Savings  $50,000.00 and over 0.10% 0.10%

 



Money Market 

$2,500 minimum opening balance.

Average Daily Balance Dividend Rate APY1
$0 - $2,499.99 0.00% 0.00%
$2,500.00 - $49,999.99 0.05% 0.05%
$50,000.00 - $249,999.99 0.10% 0.10%
$250,000.00 - $499,999.99 0.15% 0.15%
$500,000.00 and over 0.25% 0.25%

 

1. APY = Annual Percentage Yield. Dividend rates and APY are variable and may vary after the account is opened. Fees may reduce account earnings. Additional restrictions may apply.
 



Retirement Accounts

Roth and Traditional IRAs and SEP plans.

IRA Share Savings

Average Daily Balance Dividend Rate APY2
Traditional, Roth, SEP IRAs 0.05% 0.05%

 

2. APY = Annual Percentage Yield. Dividend rates and APY are variable and may vary after the account is opened. Additional restrictions may apply. Please refer to your Individual Retirement Account Application and Custodial Account Agreement and related disclosures for more information.



IRA Share Certificates

$500 minimum opening balance.

Term Dividend Rate APY3
IRA Certificate 1 year 0.65% 0.65%
IRA Certificate 2 year 0.70% 0.70%
IRA Certificate 3 year 0.75% 0.75%
IRA Certificate 4 year 0.80% 0.80%
IRA Certificate 5 year 0.85% 0.85%

 

3. APY = Annual Percentage Yield. APY assumes dividends remain in account until maturity. Early withdrawal penalties may apply. Additional restrictions may apply. Please refer to your Individual Retirement Account Application and Custodial Account Agreement and related disclosures for more information.

 

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Investment Accounts

Save to Win Share Certificate

$25 minimum opening balance. Learn more »

Term Dividend Rate APY4
12 months 0.45% 0.45%

 

4. APY = Annual Percentage Yield.  APY assumes dividends remain in account to maturity. Additional restrictions apply. Early withdrawal incurs a penalty fee, with a limit of one withdrawal per 12-month term. Refer to the Save to Win Truth in Savings Disclosure and Official Account and Prize Entry Rules for additional terms, conditions, eligibility and restrictions that apply. 

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Building Block Share Certificate

$250 minimum opening balance. Learn more »

Term Dividend Rate APY5
12 months 0.50% 0.50%

 

5. APY = Annual Percentage Yield. APY assumes dividends remain in account to maturity. Additional deposits of $25 or more are permitted. Refer to your Building Block Share Certificate Truth in Savings Disclosure for more information. Early withdrawal penalties may apply. Additional restrictions may apply. 

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Traditional Share Certificate

$1,000 minimum opening balance.

Term Dividend Rate APY6
Certificate 6 months 0.20% 0.20%
Certificate 12 months 0.50% 0.50%
Certificate 15 months 0.55% 0.55%
Certificate 18 months 0.55% 0.55%
Certificate 2 year 0.55% 0.55%
Certificate 3 year 0.60% 0.60%
Certificate 4 year 0.65% 0.65%
Certificate 5 year 0.70% 0.70%

 

6. APY = Annual Percentage Yield. APY assumes dividends remain in account to maturity. Early withdrawal penalties may apply. Additional restrictions may apply.

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School Employees' Level Pay Account

Available to classified or certificated employees on a 9, 10 or 11 month pay schedule.

Term Dividend Rate APY7
Open June 1 to October 31 0.10% 0.10%

 

7. APY = Annual Percentage Yield. Dividend rates and APY are variable and may vary after the account is opened. Direct deposit to a SESLOC Checking account is required. Withdrawals outside the fixed enrollment period may incur a penalty fee. Refer to your School Employees Level Pay Account Truth in Savings Disclosure for more information. Additional restrictions apply. 

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Consumer Loan Rates

Auto Loans

CARS, TRUCKS, SUVS AND MOTORCYCLES

Term (in months) for NEW vehicles  APR8
Up to 60  3.14% - 14.39%
61-72  3.64% - 15.89%
73-84  4.39% - 7.84%
Term (in months) for USED vehicles APR8
Up to 60  3.29% - 14.54%
61-72  3.79% - 16.04%
73-84  4.54% - 7.99%

 

8. APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval. Lowest rates include a 0.25% rate reduction based on 80% financing. APR is 2.00% higher for vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Financing available up to 120% of MSRP or Retail Kelley Blue Book, plus tax and license. Payment Example: A $30,000 loan, at 4.79% APR for 72 months, would have an estimated monthly payment of $480.21.** 


RECREATIONAL VEHICLES

Includes ATVs, boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers.

Term (in months) APR9
New / Used   Up to 84  5.25% - 16.00%
New / Used   85-120  6.25% - 16.50%
New / Used   121-180  7.10% - 7.75%
New / Used   181-240  7.60% - 8.00%

 

9. APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval. APR is 2% higher for recreational vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Maximum financing of 100% of MSRP or NADA Guide, plus tax and license. Maximum term based on loan amount. Additional restrictions may apply. Payment Example: A $35,000 loan, at 7.75% APR for 120 months would, have an estimated monthly payment of $420.04.**


SPECIALIZED MOBILITY VEHICLES

For vehicles adapted with specialized equipment to accommodate individual physical needs, such as wheel chairs, scooter lifts, lowered floor conversions, etc.

Term (in months) APR10
New   Up to 60  5.95% - 13.75%
New   61-84 7.10% - 15.75%
New   85-120  8.75% - 16.00%
Used   Up to 60  5.95% - 14.50%
Used   61-84  7.60% - 15.25%
Used   85-120  8.75% - 16.00%

 

10. APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval. Maximum financing of 100% of MSRP or Retail Kelley Blue Book, plus tax and license and cost of equipment and installation. Payment Example: A $70,000 loan, at 8.35% APR for 84 months, would have an estimated monthly payment of $1,103.19.**

** Financing is subject to SESLOC membership, credit approval and other under-writing criteria: not every applicant will quality. Rates are based on credit score and specific vehicle qualifications.

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Personal Loans

Product Term (in months) APR*
Share Savings Secured Up to 60 Savings Rate+3.00%11/13
Share Certificate Secured Up to 60 Certificate Rate+3.00%12/13
Line of Credit Open End 10.00% - 17.00%13
Signature Up to 60 7.90% - 15.90%13
Computer  36 8.50%13

 

* APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval. 

11. APR will not go below 4.00%.
12. APR will not go below 4.00%. Early withdrawal penalties may apply.
13. Financing is subject to SESLOC membership, credit approval and other underwriting criteria: not every applicant will quality. Rates are based on credit score.

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Credit Cards

 

SESLOC offers two affordable credit cards, both with no annual fee. 

  • Our fixed rate Visa® Credit Card offers no fee balance transfers. Details and rate information are on our Visa Credit Card page »
  • Our Visa Signature® Rewards credit card* offers reward points with every purchase and can combine them with points earned with your HomeFREE Checking account. Details and rate information are on our Visa Signature Rewards credit card page »

* APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. Refer to the Application and Solicitation Disclosure for more information. For more details regarding rewards, refer to SESLOC Rewards Terms and Conditions.



Home Equity Line of Credit (HELOC)

Index: Prime Rate APR14
  Prime Rate+2.00%

 

14. APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval. Variable rate line of credit. APR is the Prime Rate plus a margin, and will vary with the Prime Rate. Prime Rate may change at any time and is subject to change without notice. APR will not go below 4.00% or exceed 18.00%. Rates are based on credit score and CLTV (combined loan to value) ratio. Actual APR may vary and will be discussed at the time of application. Borrow against the line of credit for 10 years, after which any existing balance must be paid in full over the remaining 15 years. 

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Sustainable Loans

For eco-friendly projects, including energy efficient windows and appliances, solar panels, water-wise landscaping and more.

Term APR13/15
up to 84 month term 6.49% - 7.49%
120 month term 6.49% - 7.99%
144 month term 6.99% - 8.99%

 

13. APR= Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval. Financing is subject to SESLOC membership, credit approval and other underwriting criteria: not every applicant will quality. Rates are based on credit score.

15. APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval. Minimum loan amount is $1,000. Additional restrictions may apply.

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Youth Agricultural Loans

This unique loan helps young members get started on their next animal project. This is a single payment loan with all principal and interest due upon animal sale, or in 12 months from the date of the loan. 

Up to $1,500.le.

Term (in months) APR16
12 5.00

 

16. APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval. One open loan per member. Loans subject to credit approval.

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Home Loan Rates

SESLOC makes buying or refinancing a home easy. We offer attentive service, competitive rates and a variety of solutions to fit your needs. Explore our Home Loan options, give us a call or stop by your local branch to learn more. View current rates (PDF) »

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Business Services

SESLOC offers a full suite of business deposit and lending products. View current rates »

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