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

Super Cool Stuff

Choose from big screen TVs, name-brand sunnies, camping gear and more.

Super Cool Stuff

Choose from big screen TVs, name-brand sunnies, camping gear and more.

Cash Back

Use your points for a credit on your next statement.⁵

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 »

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.

But wait. There’s more!

Get additional perks from Visa Signature^{® 9}

• 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.

You deserve to be rewarded.

Enjoy all the advantages a Visa Signature card offers, plus the member benefits that only come from being a SESLOC member.

You deserve to be rewarded.

Enjoy all the advantages a Visa Signature card offers, plus the member benefits that only come from being a SESLOC member.

1.  Please see the Visa Signature® Rewards credit card rates and fees in the Application and Solicitation Disclosure. Minimum credit limit is $5,000.00.

2. For approved loans, the issued credit card is mailed through the USPS. SESLOC FCU is not responsible for interrupted, misrouted, lost or delayed postal mail services. 

3. SESLOC Rewards Terms and Conditions.

4. Participation in the Pay With Points program is subject to terms and conditions, available at seslocrewards.org. Qualifying purchases are Visa Signature transactions between $25.00 and $250.00 at participating merchants who accept Visa. PIN transactions do not qualify and some merchants who accept Visa are excluded. Statement credit may take up to ten (10) days to be applied. You must have enough points earned to be redeemed for the purchase amount in order to receive the notifications.

5. ACH deposit may take up to ten (10) days to be applied, and statement credit may take up to two (2) billing cycles.

6. Special offer is to receive 25,000 in bonus points when you spend $2,500 on purchases with the Visa Signature Rewards credit card within the first 60 days from account opening. The Special Offer is subject to cancellation at any time, without notice. The Special Offer is only applicable on purchases made with your Visa Signature Rewards credit card. Contact (805) 543-1816 for the most current information.

7. Local Rewards bonus points are earned on purchases made at participating Local Businesses only. Participating Local Businesses (“merchants”) are subject to change at any time without notice. Participation in Local Rewards does not constitute an endorsement on the part of either the merchant or SESLOC Federal Credit Union. Purchases made at participating merchants processed through third-party services (e.g. DoorDash, Grub Hub, Uber Eats ect.) may not qualify for bonus points under Local Rewards. Local Rewards is part of the SESLOC Rewards program; see seslocrewards.org for complete terms, conditions, restrictions and eligibility that apply. For any questions regarding Local Rewards, contact SESLOC Federal Credit Union.

8. 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 www.sesloc.org 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.

9. Certain terms, conditions and exclusions apply. See a summary of Visa Signature^® card benefits and view the complete benefits guide.

10. SESLOC Visa Signature Rewards cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.

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.