Funny name. Serious value.
Join the fun.
![silly-selfie-featured Family taking a silly selfie.](https://www.sesloc.org/wp-content/uploads/2022/04/silly-selfie-featured.jpg)
![silly-selfie-featured Family taking a silly selfie.](https://www.sesloc.org/wp-content/uploads/2022/04/silly-selfie-featured.jpg)
Funny name. Serious value.
Join the fun.
![Stamp_PeoplePlace_Crest SESLOC people and place](https://www.sesloc.org/wp-content/uploads/2021/11/Stamp_PeoplePlace_Crest.png)
![Stamp_PeoplePlace_Crest SESLOC people and place](https://www.sesloc.org/wp-content/uploads/2021/11/Stamp_PeoplePlace_Crest.png)
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 those who live, work or go to school in San Luis Obispo, Santa Barbara, Ventura, Monterey, Santa Cruz, Tulare, Kern, Fresno and Kings counties. SESLOC is a place for all, so SESLOC is a place for us all.
Join SESLOC online in just minutes.
Or see helpful FAQs »
Why should I join?
59,000 of your friends and family are here.
And we’ve been at it for 80+ years.
Not for Profit
Affordable Loans
Membership Benefits
![mustaches Three friends being silly.](https://www.sesloc.org/wp-content/uploads/2022/04/mustaches.jpg)
![mustaches Three friends being silly.](https://www.sesloc.org/wp-content/uploads/2022/04/mustaches.jpg)
Plus, we offer
Everyday Member Benefits¹
for your family and your futuro.
![CPchecking-icon SESLOC checking debit card](https://www.sesloc.org/wp-content/uploads/2021/12/CPchecking-icon-1.jpg)
![CPchecking-icon SESLOC checking debit card](https://www.sesloc.org/wp-content/uploads/2021/12/CPchecking-icon-1.jpg)
Free Checking
Our HomeFREE Checking™ account has no minimum balance requirement and no monthly fee. It really is all sunshine and rainbows.
![rewardes-icon rewards icon](https://www.sesloc.org/wp-content/uploads/2021/12/rewardes-icon.jpg)
![rewardes-icon rewards icon](https://www.sesloc.org/wp-content/uploads/2021/12/rewardes-icon.jpg)
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.
![ATMcash-icon ATM cash icon](https://www.sesloc.org/wp-content/uploads/2021/12/ATMcash-icon.jpg)
![ATMcash-icon ATM cash icon](https://www.sesloc.org/wp-content/uploads/2021/12/ATMcash-icon.jpg)
More ATM Access than Most Banks
Surcharge-Free ATM Transactions at SESLOC and CO-OP ATMs, which includes 55 local and 30,000+ nationwide.
![bank-local1 SESLOC branch icon](https://www.sesloc.org/wp-content/uploads/2021/12/bank-local1.jpg)
![bank-local1 SESLOC branch icon](https://www.sesloc.org/wp-content/uploads/2021/12/bank-local1.jpg)
Early Direct Deposit²
Skip a branch or ATM visit. Get access to direct deposit funds a day early.
![mobile-icon SESLOC Mobile icon](https://www.sesloc.org/wp-content/uploads/2021/12/mobile-icon.jpg)
![mobile-icon SESLOC Mobile icon](https://www.sesloc.org/wp-content/uploads/2021/12/mobile-icon.jpg)
Take it to Go
Deposit checks and manage your account on the go via our mobile app.
![contactless-icon contactless payment icon](https://www.sesloc.org/wp-content/uploads/2021/12/contactless-icon.jpg)
![contactless-icon contactless payment icon](https://www.sesloc.org/wp-content/uploads/2021/12/contactless-icon.jpg)
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!
![cuddle-dog-square Senior woman holding her dog.](https://www.sesloc.org/wp-content/uploads/2022/04/cuddle-dog-square.jpg)
![cuddle-dog-square Senior woman holding her dog.](https://www.sesloc.org/wp-content/uploads/2022/04/cuddle-dog-square.jpg)
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.
Membership is now open to those who live, work or go to school in San Luis Obispo, Santa Barbara, Ventura, Monterey, Santa Cruz, Tulare, Kern, Fresno and Kings 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.
![Stamp_MemberOwned_Crest SESLOC is member-owned](https://www.sesloc.org/wp-content/uploads/2021/11/Stamp_MemberOwned_Crest.png)
![Stamp_MemberOwned_Crest SESLOC is member-owned](https://www.sesloc.org/wp-content/uploads/2021/11/Stamp_MemberOwned_Crest.png)
![visa1-featured Woman on couch shopping online with her SESLOC Visa credit card](https://www.sesloc.org/wp-content/uploads/2021/11/visa1-featured.jpg)
![visa1-featured Woman on couch shopping online with her SESLOC Visa credit card](https://www.sesloc.org/wp-content/uploads/2021/11/visa1-featured.jpg)
Finance Your Dreams
We offer great rates on auto, home, personal loans and credit cards. Ask about our specials!
READY TO JOIN US?
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.
![eservices-4_featured Woman reviewing finances on laptop at home.](https://www.sesloc.org/wp-content/uploads/2021/11/eservices-4_featured.jpg)
![eservices-4_featured Woman reviewing finances on laptop at home.](https://www.sesloc.org/wp-content/uploads/2021/11/eservices-4_featured.jpg)