Family taking a silly selfie.


SESLOC Credit Union

Funny name. Serious value.

Join the fun.

Family taking a silly selfie.

SESLOC Credit Union

Funny name. Serious value.

Join the fun.

SESLOC people and place

So what’s the deal with our name, anyway?

Well, we like to think it means local banking offering free checking, fewer fees and killer rewards.

But for real—SESLOC is actually an acronym for School Employees of San Luis Obispo County. Rooted in academics and locally headquartered for 80 years. Membership is now open to everyone in Northern Santa Barbara and San Luis Obispo counties, so SESLOC is a place for us all.

Join SESLOC online in just minutes.

Or see helpful FAQs »

Why should I join?

57,000 of your friends and family are here.

And we’ve been at it for 80 years.

Not for Profit

Affordable Loans

Membership Benefits

Three friends being silly.

Plus, we offer

Everyday Member Benefits¹

for your family and your futuro.

SESLOC checking debit card

Free Checking

Our HomeFREE Checking™ account has no minimum balance requirement and no monthly fee. It really is all sunshine and rainbows.

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Get Rewarded

Earn SESLOC Rewards points with SESLOC debit card purchases, redeemable for jaw-dropping sporting events, cash back, electronics, housewares and some serious travel.

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More ATM Access than Most Banks

Surcharge-Free ATM Transactions at SESLOC and CO-OP ATMs, which includes 55 local and 30,000+ nationwide.

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Early Direct Deposit²

Skip a branch or ATM visit. Get access to direct deposit funds a day early.

SESLOC Mobile icon

Take it to Go

Deposit checks and manage your account on the go via our mobile app

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Tap to Pay

Load your SESLOC debit card in Apple Pay, Google Pay, or Samsung Pay to make contactless payments at the register or for online orders. 

Plus more!

Senior woman holding her dog.

We give you the financial tools to find your success.

Whether you need a free checking account or an affordable loan to get to the next level, we’re here for you.

After all, this is our community. So we look out for each other. Because when one of us succeeds, we all succeed. It’s not just the neighborly thing to do — it’s the right thing to do.

What is a credit union? May I join?

Credit union members share a common bond, such as where they work or live. We are a cooperative financial institution, formed to give back to our members, not stockholders. Profits are returned to members in the form of lower loan rates, higher savings rates, and lower cost services. Our members are local, so money stays local, and SESLOC stays community focused.

You are eligible for membership if you live, work or attend school in Northern Santa Barbara or San Luis Obispo counties. Or, if you have a family member who is already a member at SESLOC, you could join too. Simple as that. 

To get started, you’ll pay a one-time membership of just $5, and deposit $5 into a Primary Share Savings account. Then, you’re eligible for Everyday Member Benefits. 

SESLOC is member-owned
Woman on couch shopping online with her SESLOC Visa credit card

Finance Your Dreams

We offer great rates on auto, home, personal loans and credit cards. Ask about our specials!


Skip a branch visit. Our online application takes just minutes.

Or, call us at (805) 543-1816 or visit any branch.

Free Financial Education Opportunities

Including webinars, personal SESLOC Money Coaches, eBooks, online calculators, financial counseling, and more.

Woman reviewing finances on laptop at home.
1. Everyday Member Benefits are available to Credit Union members in accordance with disclosures and agreements between the Credit Union and the Consumer Member, including but not limited to the Member Application, the Member Account Agreement and Disclosure, Truth-in-Savings disclosures, all Fee Schedules, Rate Sheets and other account agreements and disclosures. For benefits including but not limited to Identity Theft Recovery + Mobile Phone Insurance, SESLOC Rewards, SESLOC Shred Days, EasyPay, insurance products through TruStage® Insurance Agency, LLC, and financial counseling through GreenPath, Inc., refer to their individual Terms and Conditions disclosures located on or visit a SESLOC branch for more details regarding benefit terms, conditions, limits, restrictions and eligibility that apply. Some services require primary consumer member to agree to separate terms and conditions. Insurance offered through TruStage® Insurance Agency, LLC is a not a deposit and is not federally insured. The insurance coverage offered through TruStage® is not sold or guaranteed by the Credit Union.
2. Early access to direct deposit funds subject to employer and/or payer terms and conditions. SESLOC Credit Union (“Credit Union”) generally makes these funds available on the day the payment file is received, which may be up to one (1) day earlier than the scheduled payment date. The Credit Union cannot guarantee early access of a direct deposit payment. Other exceptions may apply.
A Note for New Accounts — The USA Patriot Act requires financial institutions to verify your identity when opening an account. You and any joint owner(s) will be asked to provide a current California Driver’s License (and proof of address if you’ve moved) plus social security number(s). Accounts that can be opened by mail may have additional requirements. If you do not have a California Driver’s License, you may use a current government-issued photo ID.