No Annual Fee.
You shouldn’t have to pay to pay.




No Annual Fee.
You shouldn’t have to pay to pay.
Yep, no annual fee.
Because credit cards should be practical, enjoyable and most of all, affordable. So we don’t charge annual fees, balance transfer fees, or even penalty rates.
Apply for a SESLOC Visa Signature® Rewards credit card today! 1
Easy Application | Quick Approvals
Pick up your card same day as approval at any branch (thanks to our Instant Issue option), or have it mailed to you within 7-10 business days.2
How will you redeem your reward points?3
How will you redeem your reward points?3
Serious Travel
Get more bang for your buck when you redeem points for airfare or hotels all over the world.
Super Cool Stuff
Choose from big screen TVs, name-brand sunnies, camping gear and more.
Serious Travel
Get more bang for your buck when you redeem points for airfare or hotels all over the world.
Super Cool Stuff
Choose from big screen TVs, name-brand sunnies, camping gear and more.
Pay With Points
Enroll and you’ll get text messages to use your points to pay for a recent qualifying purchase.4 Neat!
Cash Back
Use your points for a credit on your next statement.5
Fuel at the Pump
Use your points to pay for gas at participating stations. In this economy? Yep. We do that!
Gift Cards
Give them away as a gift, or use it for yourself. (Either way, we won’t tell.)
Plus more! Take a text drive to see the full rewards catalog at seslocrewards.org »
What’s all the fuss about?
Few credit cards out there stack up to the awesome benefits of the SESLOC Visa Signature Rewards Credit Card.
There’s more to unpack:
Special Introductory Offer
Earn 25,000 bonus points when you spend $2,500 in the first 60 days after your opening card.6
Bonus Points for Shopping Local
Show some local love, get some love back. Earn more when you shop at 100+ participating local businesses.7
Take it to Go
We make paying your balance and banking easy with our convenient mobile app.
Contactless Payments
Add your new card to your digital wallet, including Apple, Samsung and Google Pay. So slick. So safe.
Standard Features
No foreign transaction fees, no balance transfer fees, cash advances for a low rate of just 1% and fraud projection from Verified by Visa.








We’re obsessed with giving away points.
Sometimes you use credit, sometimes you use debit. So we let you combine rewards credit card points with those earned with a HomeFREE Checking TM debit card.
Double down and earn more points. The checking account is free, too! See how »
80 Years of People & Place
If you’re not sure what a credit union is, well, we’re the one with the funny name. Our name may be funny, but to us, your financial goals and dreams are serious business. We make money simple and do what’s right for our members.
Story time! Our name SESLOC is an acronym for School Employees of San Luis Obispo County. Rooted in academics and locally-headquarted for 80 years, membership is now open to everyone in Northern Santa Barbara and San Luis Obispo counties. SESLOC is a place for all. Now with 57,000 members strong, it’s the little things that matter. Like our phone number. Our area code remains 805. When you call us, you talk to our local staff, and not a distant call center halfway around the world. We’ve been this way for 80 years, and hopefully for generations to come.
Not sure what credit unions do?
We do everything a bank does, but so much better.



- Member Owned – Our financial cooperative is built for you, not for shareholders.
- Money Stays Local – We are lending to your neighbor next door. Making our community brighter and tighter, together.
- Membership Benefits8 – From killer rewards programs to free financial education, we literally can’t list them all here. Check it out »
- Giving Back – We support local nonprofits that make the Central Coast the best place to live. See how »













But wait. There’s more!
Get additional perks from Visa Signature® 9
- Extended Warranty Protection
Extends the original manufacturer’s warranty up to 1 additional year on eligible warranties of 3 years or less. - Travel and Emergency Assistance
Provides assistance and referral services in case of an emergency. - Auto Rental Collision Damage Waiver
Get Auto Coverage when you rent a car. - Road Dispatch®
Provides emergency roadside assistance. - Zero fraud liability
You won’t be held responsible for unauthorized transactions made with your Visa card.
- Concierge service10
Get help choosing a gift or making travel arrangements. - Cardholder inquiry service
Get personalized support. - Lost/stolen card reporting
Reporting is simple with emergency replacement and emergency cash. - Year-end spending summary
This detailed annual report breaks down where you used your card, which can help you with budgeting and tax prep.
- Extended Warranty Protection
Extends the original manufacturer’s warranty up to 1 additional year on eligible warranties of 3 years or less. - Travel and Emergency Assistance
Provides assistance and referral services in case of an emergency. - Auto Rental Collision Damage Waiver
Get Auto Coverage when you rent a car. - Road Dispatch®
Provides emergency roadside assistance. - Zero fraud liability
You won’t be held responsible for unauthorized transactions made with your Visa card. - Concierge service10
Get help choosing a gift or making travel arrangements. - Cardholder inquiry service
Get personalized support. - Lost/stolen card reporting
Reporting is simple with emergency replacement and emergency cash. - Year-end spending summary
This detailed annual report breaks down where you used your card, which can help you with budgeting and tax prep.