SESLOC is member-owned

Personal Savings and Loan Rates

Personal Savings & Loan Rates

For SESLOC Consumer Members

Rates below are effective November 1, 2024.

Rates are subject to change without notice. All loan rates are based on approved credit.

Savings & Investments

Savings Accounts

Share Savings

Share Savings Accounts

$5 minimum opening balance for Primary Share Savings.

Average Daily Balance Dividend Rate APY1
Savings  $0.00 – $2,499.99 0.15% 0.15%
Savings  $2,500.00 – $24,999.99 0.15% 0.15%
Savings  $25,000.00 – $49,999.99 0.15% 0.15%
Savings  $50,000.00 and over 0.30% 0.30%
Money Market

Money Market Account

$2,500 minimum opening balance.

Average Daily Balance Dividend Rate APY1
$0 – $2,499.99 0.00% 0.00%
$2,500.00 – $49,999.99 0.50% 0.50%
$50,000.00 – $249,999.99 1.00% 1.00%
$250,000.00 – $499,999.99 1.25% 1.25%
$500,000.00 and over 1.25% 1.25%

Retirement Accounts

IRA Share Savings & SEP Plan

IRA Share Savings & SEP Plan

Product Dividend Rate APY2
Traditional, Roth, SEP IRAs 0.65% 0.65%
IRA Share Certificate & SEP Plan

IRA Share Certificate & SEP Plan

$500 minimum opening balance

Term Dividend Rate APY3
IRA Certificate 12 month 4.00% 4.07%
IRA Certificate 2 year
3.75% 3.82%
IRA Certificate 3 year 3.75% 3.82%
IRA Certificate 4 year 3.75% 3.82%
IRA Certificate 5 year 3.75% 3.82%

Investment Accounts

Save to Win Share Certificate

Save to Win Share Certificate

$25 minimum opening balance. Learn more »

Term Dividend Rate APY4
12 months 4.00% 4.07%
Building Block Share Certificate

Building Block Share Certificate

$250 minimum opening balance.

Term Dividend Rate APY5
12 months 4.00% 4.07%
Traditional Share Certificate

Traditional Share Certificate

$1,000 minimum opening balance

Term Dividend Rate APY6
Certificate 3 months 3.50% 3.56%
Certificate 6 months 3.75% 3.82%
Certificate 12 months 4.00% 4.07%
Certificate 15 months 3.75% 3.82%
Certificate 18 months 3.75% 3.82%
Certificate 2 year
3.75% 3.82%
Certificate 3 year 3.75% 3.82%
Certificate 4 year 3.75% 3.82%
Certificate 5 year 3.75% 3.82%

SAVINGS AND INVESTMENTS DISCLOSURES
APY = Annual Percentage Yield.
1. Dividend rates and APY are variable and may vary after the account is opened. Fees may reduce account earnings. Additional restrictions may apply. Refer to your Share Savings or Truth in Savings Disclosure for more information.
2. Dividend rates and APY are variable and may vary after the account is opened. Additional restrictions may apply. Please refer to your Individual Retirement Account Application and Custodial Account Agreement and related disclosures for more information.
3. APY assumes dividends remain in account until maturity. Early withdrawal penalties may apply. Additional restrictions may apply. Please refer to your Individual Retirement Account Application and Custodial Account Agreement and related disclosures for more information.
4. APY assumes dividends remain in account until maturity. Additional restrictions apply. Early withdrawal incurs a penalty fee, with a limit of one withdrawal per 12-month term. Refer to the Save to Win Truth in Savings Disclosure and Official Account and Prize Entry Rules for additional terms, conditions, eligibility and restrictions that apply.
5. APY assumes dividends remain in account until maturity. Additional deposits of $25 or more are permitted. Refer to your Building Block Share Certificate Truth in Savings Disclosure for more information. Early withdrawal penalties may apply. Additional restrictions may apply.
6. APY assumes dividends remain in account until maturity. Early withdrawal penalties may apply. Additional restrictions may apply.

Consumer Loans

Auto Loans

New & Used Vehicles

New Vehicles

Includes cars, trucks, SUVs and motorcycles.

Term (in months) for NEW vehicles  APR7
Up to 60 6.59% – 14.99%
61-72 6.89% – 16.44%
73-84 7.44% – 10.75%

Used Vehicles

Term (in months) for USED vehicles APR7
Up to 60 7.04% – 15.44%
61-72 7.34% – 17.25%
73-84 8.19% – 11.54%

 

Recreational Vehicles

New Recreational Vehicles

Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers.

Term (in months) for NEW recreational Vehicles APR8
New up to 84 8.55% – 15.50%
New 85-120 9.00% – 16.00%
New 121-180 9.35% – 10.20%
New 181-240 10.00% – 10.40%

Used Recreational Vehicles

Term (in months) for USED recreational Vehicles APR8
Used up to 84 8.75% – 15.70%
Used 85-120 9.20% – 16.20%
Used 121-180 9.55% – 10.40%
Used 181-240 10.20% – 10.60%
Specialized Mobility Vehicles

Specialized Mobility Vehicles

For vehicles adapted with specialized equipment to accommodate individual physical needs, such as wheel chairs, scooter lifts, etc.

Term (months) APR9
New up to 60 5.95% – 13.75%
New 61-84 7.10% – 15.75%
New 85-120 8.75% – 16.00%
Used up to 60 5.95% – 14.50%
Used 61-84 7.60% – 15.25%
Used 85-120 8.75% – 16.00%

Personal Loans

Loans & Lines of Credit

Loans & Lines of Credit

SHARE SAVINGS SECURED

Term (in months)  APR10/12
Up to 60 Savings Rate+3.00%

SHARE CERTIFICATE SECURED

Term (in months)  APR11/12
Up to 60 Certificate Rate+3.00%

LINE OF CREDIT

Term (in months)  APR12
Open End 11.95% – 17.95%

SIGNATURE LOAN

Term (in months)  APR12
Up to 60 10.95% – 17.95%

COMPUTER LOAN
New equipment only. Includes computers, printers, and peripherals. Up to $5,000.

Term (in months) APR12
36 8.50%
Credit Cards

Credit Cards

SESLOC offers two affordable credit cards, both with no annual fee.
  • Our classic, fixed rate Visa® Credit Card offers no fee balance transfers. Details and rate information are on our Visa Credit Card page »
  • Our Visa Signature® Rewards credit card* offers reward points with every purchase and can combine them with points earned with your HomeFREE Checking account. Details and rate information are on our Visa Signature Rewards credit card page »
Home Equity Line of Credit (HELOC)

Home Equity Line of Credit (HELOC)

Index: Prime Rate APR14
8.00% – 10.00%
Sustainable Loans

Sustainable Loans

For eco-friendly projects, including energy efficient windows and appliances, solar panels, water-wise landscaping and more.

Term  APR12/15
Up to 84 month term 7.49% – 8.49%
120 month term 7.99% – 9.49%
144 month term 8.99% – 10.99%

Youth Agricultural Loan

Youth Agricultural Loan

This unique loan helps young members get started on their next animal project. This is a single payment loan with all principal and interest due upon animal sale, or in 12 months from the date of the loan.
Up to $1,500.

Term  APR16
12 5.00%

Instant Funds Loans

Payday Loan

Payday Loan

Term (in months) Amount APR13
3 $200-$500 28.00%
6 $501-$1,000 28.00%
9 $1,001-$1,500 28.00%
12 $1,501-$2,000 28.00%
Payday Loan

Life Event Loan

Term (in months) Amount APR13
12 $500-$1,000 18.00%
18 $1,001-$1,500 18.00%
24 $1,501-$2,000 18.00%
30 $2,001-$2,500 18.00%
36 $2,501-$3,000 18.00%

Home Loans

Home Loans

Home Loans

SESLOC makes buying or refinancing a home easy. We offer attentive service, competitive rates and a variety of solutions to fit your needs. Explore our Home Loan options, give us a call or stop by your local branch to learn more. View current rates »

CONSUMER LOANS DISCLOSURES
APR = Annual Percentage Rate. APR is based on credit score. All loans subject to Credit Union approval.
* APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. Refer to the Application and Solicitation Disclosure for more information. For more details regarding rewards, refer to SESLOC Rewards Terms and Conditions.
7. Lowest rates displayed are for an auto loan to an existing SESLOC member and include a 0.25% rate reduction based on 80% financing or less. Rate and APR are greater for a non-member applying for a vehicle loan through an auto dealership. APR is 2.00% higher for vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Financing available up to 120% of MSRP or Retail Kelley Blue Book, plus tax and license. Payment Example: A $30,000 loan, at 8.99% APR for 72 months, would have an estimated monthly payment of $540.79.**
8. Rates displayed are for an existing SESLOC member and include a 0.25% rate reduction based on 80% financing or less. Rate and APR are greater for a non-member applying for recreational vehicle (RV) loans through a RV dealership. APR is 2% higher for recreational vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Maximum financing of 100% of MSRP or NADA guide, plus tax and license. Maximum term based on loan amount. Additional restrictions may apply. Payment Example: A $30,000 loan, at 9.75% APR for 120 months, would have an estimated monthly payment of $392.31.**
9. Maximum financing of 100% of MSRP or Retail Kelley Blue Book, plus tax and license and cost of equipment and installation. Payment Example: A $70,000 loan, at 8.35% APR for 84 months, would have an estimated monthly payment of $1,103.19.**
10. APR will not go below 4.00%. Payment Example: A $5,000 loan, at 4.00% APR for 36 months, would have an estimated monthly payment of $147.38.
11. APR will not go below 4.00%. Early withdrawal penalties may apply. Payment Example: A $3,000 loan, at 6.30% APR for 36 months, would have an estimated monthly payment of $91.69
12. Financing is subject to SESLOC membership, credit approval and other underwriting criteria: not every applicant will qualify. Rates are based on credit score. Signature Loan Payment Example: A $7,500 loan, at 15.95% APR for 36 months, would have an estimated monthly payment of $263.59. Computer Loan Payment Example: A $3,000 loan, at 8.50% APR for 36 months, would have an estimated monthly payment of $94.73.
13 All loans subject to approval and underwriting criteria, including eligibility and banking and membership history; not every applicant will qualify. Refer to sesloc.org/instant-funds for more information regarding loan terms, conditions and restrictions. Payday Loan Payment Example: A $2,000 loan, at 28.00% APR for 12 months would have an estimated monthly payment of $193.64. Life Event Loan Payment Example: A $3000 loan, at 18.00% APR for 36 months would have an estimated monthly payment of $109.22.
14. Variable rate line of credit. APR is the Prime Rate plus a margin, and will vary with the Prime Rate. Prime Rate may change at any time and is subject to change without notice. APR will not go below 4.00% or exceed 18.00%. APR is based on credit score and CLTV (combined loan to value) ratio. Actual APR may vary and will be discussed at the time of application. Borrow against the line of credit for 10 years, after which any existing balance must be paid in full over the remaining 15 years.
15. Maximum loan amount: $50,000. Additional restrictions may apply. Payment Example: A $30,000 loan, at 7.00% APR for 120 months, would have an estimated monthly payment of $348.43.
16. One open loan per member. Loans subject to credit approval. Payment Example: A $1,500 loan, at 5.00% APR for 36 months, would have an estimated one (1) payment on the 12th month of $1,575.21.
** Financing is subject to SESLOC membership, credit approval and other under-writing criteria: not every applicant will quality. Rates are based on credit score and specific vehicle qualifications.

Business Services

SESLOC offers a full suite of business deposit and lending products. View current rates »