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Rates below are effective November 13, 2019. Rates are subject to change without notice. All loan rates are based on approved credit.

Savings & Investment Rates

Share Savings and Holiday Accounts

$5 minimum opening balance.

Balance DIVIDEND RATE APY*
Savings  $0.00 - $2,499.99 balance 0.20% 0.20%
Savings  $2,500.00 - $24,999.99 0.20% 0.20%
Savings  $25,000.00 - $49,999.99 0.20% 0.20%
Savings  $50,000.00 and over 0.25% 0.25%


Money Market Account

$2,500 minimum opening balance.

Term DIVIDEND RATE APY*
$0 - $2,499.99 0.00% 0.00%
$2,500.00 - $49,999.99 0.20% 0.20%
$50,000.00 - $249,999.99 0.25% 0.25%
$250,000.00 - $499,999.99 0.35% 0.35%
$500,000.00 and over 0.45% 0.45%


*APY=Annual Percentage Yield. APY may vary after the account is opened. Fees may reduce account earnings. Additional restrictions may apply. Federal Regulation D limits certain types of withdrawals and transfers to a combined total of six (6) per calendar month from a savings or money market account. Please refer to your Member Account Disclosure for more information.


School Employees' Level Pay Account

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

Balance DIVIDEND RATE APY**
  0.25% 0.25%


**APY=Annual Percentage Yield. APY may vary after the account is opened. Fees may reduce account earnings. Additional restrictions may apply. Fund your Level Pay account with automatic deposits during the school year; receive automatic transfers to your checking account during non-paycheck months. Deposits automatically resume with your first school-year paycheck. Direct deposit to a SESLOC Checking account is required. Withdrawals outside the fixed enrollment period may incur a penalty fee. Federal Regulation D limits certain types of withdrawals and transfers to a combined total of six (6) per calendar month from a savings or money market account. Please refer to your Member Account Disclosure for more information.

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Save to Win Share Certificate

$25 minimum opening balance. Learn more »

Balance DIVIDEND RATE APY**
  1.30% 1.31%


**APY=Annual Percentage Yield. APY assumes dividends remain in account to maturity. Early withdrawal penalties may apply. Additional restrictions may apply. To view additional terms and conditions, click here. Refer to SESLOC Federal Credit Union Save to Win Savings Promotion Official Account and Prize Entry Rules for additional terms, conditions, eligibility and restrictions that may apply. 

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Building Block Share Certificate

$250 minimum opening balance. Learn more »

Balance DIVIDEND RATE APY**
  1.30% 1.31%


**APY=Annual Percentage Yield. APY assumes dividends remain in account to maturity. Early withdrawal penalties may apply. Additional restrictions may apply. Refer to your Building Block Share Certificate Disclosure for more information. 

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Traditional Share Certificate

$1,000 minimum opening balance.

Term DIVIDEND RATE APY*
Certificate 6 months 0.40% 0.40%
Certificate 12 months 1.30% 1.31%
Certificate 15 months 1.30% 1.31%
Certificate 18 months 1.30% 1.31%
Certificate 2 year 1.30% 1.31%
Certificate 3 year 1.30% 1.31%
Certificate 4 year 1.30% 1.31%
Certificate 5 year 1.30% 1.31%


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


Retirement Accounts

IRA Share Savings & SEP Plan

$5 minimum opening balance.

Product DIVIDEND RATE APY*
Traditional, Roth, SEP IRAs 0.20% 0.20%


*APY=Annual Percentage Yield. APY 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. Federal Regulation D limits certain types of withdrawals and transfers to a combined total of six (6) per calendar month from a savings or money market account. Please refer to your Member Account Disclosure for more information.


IRA Share Certificate & SEP Plan

$500 minimum opening balance.

Term DIVIDEND RATE APY*
IRA Certificate 1 year 1.30% 1.31%
IRA Certificate 2 year 1.30% 1.31%
IRA Certificate 3 year 1.30% 1.31%
IRA Certificate 4 year 1.30% 1.31%
IRA Certificate 5 year 1.30% 1.31%


*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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Loan Rates

Vehicles

Includes cars, trucks, SUVs and motorcycles.

Term APR*
New / Used up to 60 month term 3.64% - 15.24%
New / Used 61-72 month term 4.15% - 7.59%
New / Used 73-84 month term 4.84% - 9.19%


*APR=Annual Percentage Rate. APR is based on credit score. Loans subject to credit 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. Option to defer payments up to 90 days; interest accrues during the deferral period. No prepayment penalties. Loan rate subject to applicant qualification and specific vehicle qualifications.


Recreational Vehicles

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

Term APR*
New / Used   up to 84 month term 5.25% - 16.00%
New / Used   120 month term 6.25% - 16.50%
New / Used   144 month term 7.50% - 8.25%


*APR=Annual Percentage Rate. APR is based on credit score. Loans subject to credit 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. Loan rate subject to applicant qualification and specific vehicle qualifications.


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 APR*
New   60 month term 5.95% - 13.75%
New   84 month term 7.10% - 15.75%
New   120 month term 8.75% - 16.00%
Used   60 month term 5.95% - 14.50%
Used   84 month term 7.60% - 15.25%
Used   120 month term 8.75% - 16.00%


*APR=Annual Percentage Rate. APR is based on credit score. Loans subject to credit approval. Maximum financing of 100% of MSRP or Retail Kelley Blue Book, plus tax and license and cost of equipment and installation. Loan rate subject to applicant qualification and specific vehicle qualifications.

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Consumer Loans

Product APR*
Overdraft Line of Credit 10.00% - 17.00%
Share Savings Secured Savings Rate+3.00% (4.00% rate floor)**
Share Certificate Secured Certificate Rate+3.00% (4.00% rate floor)***
Signature Line of Credit 10.00% - 17.00%
Signature Loan, closed end 10.00% - 17.00%
Computer Loan 8.50%ˆ
Youth Agricultural Loan (animal purchase) 5.00%ˆˆ


*APR=Annual Percentage Rate. APR is based on credit score. Loans subject to credit approval.
**$5minimum balance excluded.
***Early withdrawal penalties may apply.
ˆNew equipment only. Includes computers, printers, scanners, and peripherals. Up to $5,000.
ˆˆOne open loan per member. Borrow up to $1,500 for a one-year term. 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.

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Visa Credit Card

Our Visa® card offers a low fixed rate and no gimmicks. Full details and rate information are on our Visa Card page »


Sustainable Loans

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

Term APR*
up to 84 month term 6.49% - 7.49%
120 month term 6.49% - 7.99%
144 month term 6.99% - 8.99%


*APR= Annual Percentage Rate. APR is based on credit score. Loans subject to credit approval. Minimum loan amount is $1,000. Additional restrictions may apply. No prepayment penalties. Monthly payment per $1,000 at 6.49% APR for 7 years is $14.85.

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Home Equity Line of Credit (HELOC)

Index: Prime Rate APR*
  Prime Rate+2.00%


*APR = Annual Percentage Rate. APR is based on credit score. Loans subject to credit approval. Variable rate line of credit. Variable rate indexed to the Wall Street Journal Prime rate. Rate may increase or decrease without notice during the loan term based on corresponding changes in the Prime Rate. Your APR will not go below 4.00% or exceed 18.00%. No minimum advance required. 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.


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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