To better manage our budgets, decrease debt and get control of our credit card spending, it’s best we understand our habits and start building new behaviors.
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Financial Wellness
Student Loans – Federal vs. Private: What’s the Difference?
Navigating student loan options can be overwhelming. Here is an easy-to-reference guide between federal loans and private loans.
For Love and Money: How to Bring Dollars and Sense in Your Relationship
Talking about savings, spending, and debt with your partner doesn’t have to be awkward or embarrassing. Here’s how you can prepare to have the big talk about your personal finances.
Important Social Security Updates for Retirees in 2025
As we welcome 2025, big changes to Social Security will impact retirees and those nearing retirement.
Get Ahead in 2025: The Financial Checklist to Start Strong
Ready to take control of your finances in the new year? Jumpstart your journey with this simple 11 step financial wellness action plan!
Jingle Bills: How to Avoid a Holiday Debt Hangover
If you’ve ever found yourself dreading your January credit card statements, you’re not alone. With thoughtful planning, you can keep your holiday joy intact without taking on holiday debt.
SESLOC Marks 5 Years of Impact with EverFi’s Financial Scholars Program
For five years, SESLOC has proudly sponsored EverFi’s Financial Scholars program, providing Central Coast high school students with practical, online financial education curriculum on topics like budgeting, credit, taxes, financing higher education, and more. Here are the program results from the 2023-2024 school year and the impact the program has made on students over the last half decade.
Reduction in Overdraft Fees: Helping Members Save Today, and Everyday
SESLOC is pleased to announce that as of November 1, 2024, there has been a reduction in overdraft fees. This change is part of our commitment to providing cost-effective solutions for our membership and community. These savings will be extended to members but will have the greatest impact on those facing financial challenges, who need a break from fees to begin saving and building healthy financial habits.
Establishing Financial Foundations: SESLOC Equips High Schoolers with Budgeting Skills
On Friday, October 11, SESLOC returned to Pacific Beach High School in San Luis Obispo for a second year to engage 55 students in the Bite of Reality simulation. This hands-on event immerses students in a realistic budgeting app, providing them with valuable insights into managing finances. Through interactive scenarios, participants learn to navigate the distinction between needs and wants, equipping them with essential budgeting skills for real life.
From 401(k)s to Roth IRAs: Demystifying Retirement Accounts
With so many responsibilities in our day-to-day lives, it is common to feel unprepared for the future. If you have ever caught yourself staring at your 401(k) statement blankly or questioning whether a Roth IRA is the right move, you are not alone. With guidance, these accounts can feel less daunting and more like tools you can confidently use to secure your future.
Recent News
From Your CEO: Committed to returning value by the philosophy of “People Helping People.” – Spring 2026
We’re committed to returning value to you by living the credit union philosophy of “People Helping People.”
Short-Term, Smart Returns: 3 Month Business Share Certificates Now Available
Starting April 1, 2026, SESLOC is adding a 3-month short-term option for Business Share Certificates, which provides a reliable way to save without tying up your cash for an extended period. $1,000 minimum deposit is required to open a Business Share Certificate account.
SESLOC Technical Operations Manager Angie Macias Honored on Nacha “15 Under 40” List
SESLOC Technical Operations Manager Angie Macias, AAP, NCP, is recognized as a “15 Under 40” award winner by Nacha, the governing body of the United States’ ACH payments network.
SESLOC ATMs Now Offer $5 and $100 Bills for More Flexibility
Beginning February 6, 2026, all SESLOC ATMs will now offer $5 bills alongside $20 bills for withdrawal, with some offering $100 bills.
SESLOC Eliminates Cash Advance Fees on Credit Cards
Effective January 16, 2026, the Cash Advance Fee, of 1.00% on the amount of the cash advance, for SESLOC’s consumer Visa credit cards – Visa Signature® Rewards, Visa® and Visa® Share Secured credit cards – is eliminated.