Level Up
A SESLOC Member Benefits Program¹
Level Up
A SESLOC Member Benefits Program¹
SESLOC Membership is rewarding.
Your membership at SESLOC is much more than just a bank account… it’s a trusted relationship. And great relationships deserve great benefits. From transacting, to borrowing, saving and beyond, we’ve built the Level Up program to celebrate all that you do with SESLOC.
Beginning December 1, 2024
Now it’s easier to earn a Level Up Savings Point.
Previously, if you had $10,000+ in deposits across all of your eligible SESLOC accounts OR if you had a SESLOC Wealth Management account4, you earned the Savings Point. As of December 1, 2024, we have lowered the deposit balance requirement to just $5,000+.
We are pleased to make this change to the program so that you have a chance to Level Up and enjoy more SESLOC member benefits. It’s just another way we say “thanks” for being a loyal member.
TOP BENEFITS
Select Fee Waivers
Waived Check Orders
Discounted Rate
On Eligible Consumer Loans2
How it Works:
You’ll earn one point for each activity below, with a maximum earning of five points. Points are calculated on the last day of each month and include activity from the preceding 35 days. Add up your points, and check our handy chart to see which level you’re in. You’ll remain in that level for the entire month.
Transacting: +1 Point
Have a HomeFREE CheckingTM or Basic Checking account with a debit card. In addition, make $500 in eligible deposits, OR 15+ eligible transactions.
Saving: +1 Point
Have $5,000+ in balances across all of your eligible share accounts OR have a SESLOC Wealth Management account.4
Borrowing: +1 Point
Have an eligible loan, including auto, credit card, consumer and mortgage loans.
Borrowing Again: +1 Point
Have two or more eligible loans open at the same time, including auto, credit card, consumer and mortgage loans.
Loyalty: +1 Point
Have 7+ years of continuous membership.
Not sure what level you’re in?
That’s ok, we’ve got you covered. We calculate your status on the last day of each month and it is available for review the following day. It is listed on your consumer Primary Share Savings account statement, in Online Banking, or you may call us or visit any branch to check your status.
Your Benefits. Do More. Get More.
The more points you have, the more benefits you get.
Even if you have zero points today, SESLOC Membership is rewarding.
Level 1
0-1 Points
Level 2
2-3 Points
Level 3
4-5 Points
Everyday Member Benefits5
Enhanced security, more convenience and helping monthly budgets go further.
Level 1
Level 2
Level 3
Rate Discount on New Eligible Consumer Loans
Level 1
None
Level 2
0.25% 2
Level 3
0.38% 2
Reduced Origination Fees for Eligible Mortgage Loans
Level 1
None
Level 2
$75 off 2
Level 3
$125 off 2
Waived SESLOC ATM Fees Withdrawal Fees
at non-SESLOC/non-CO-OP ATMs, a $2 value per transaction.
Level 1
None
Level 2
Up to 12 per year 3
Level 3
Up to 24 per year 3
Waived Stop Payment Fees
A $20 value per request.
Level 1
None
Level 2
Unlimited
Level 3
Unlimited
Waived Check Orders
A $22 value per order. Online orders are not eligible.
Level 1
None
Level 2
None
Level 3
Up to 2 per year
See How You Can Level Up
Live Chat
To start a Live Chat, simply click the button in the lower right side of your browser window. This button will not be visible if Live Chat is closed.
Or, visit any branch or call our Contact Center at (805) 543-1816.
Everyday Member Benefits5
Available at Every Level
Choose from two checking account options, both with no minimum balance requirement and no monthly maintenance fee:
1. HomeFREE Checking™
Packed with exclusive rewards
See complete details »
- Earn SESLOC Rewards Points on HomeFREE Checking Debit Card Purchases
- Combine Debit and Credit Card Reward Points earned with your HomeFREE CheckingTM debit card and Visa Signature® Rewards credit card purchases.
- Complimentary Identity Theft Recovery + Mobile Phone Insurance
- Choose from two debit card designs, our People & Place design, or our Cal Poly design
2. Basic Checking6
Super simple with less fees
See complete details »
- No Overdraft Fees
- No Non-Sufficient Funds Fees (NSF)
- No Cashier’s Check Fees
- BankOn Certified
Access to Direct Deposit Funds a Day Early7
Surcharge-Free ATM Transactions at SESLOC and CO-OP ATMs, which includes 55 local and 30,000+ nationwide.
All Loan Payment Options are Fee-Free, even by phone and online.
Free Financial Education Opportunities, which include webinars, eBooks, online calculators, financial counseling, and more.
Discounted Rates on TruStage™ Insurance Products
Free Shred Days, where your confidential documents can be shredded at our Shred Day events throughout the year.
Free Remote and Digital Banking, which includes Online Banking, SESLOC Mobile App, budgeting tools, Card Controls, Mobile Check Deposit, and more. It’s also offered en Español.
No Prepayment Penalties on Loan Payoffs
1. The Level Up Member Benefits Program (“Program”) is provided by SESLOC Credit Union (“Credit Union”). The Program is available to select consumer memberships, for which the primary consumer member is eighteen (18) years in age or older and is a member in good standing with the Credit Union. The Program is automatically available to an eligible consumer membership. Please visit sesloc.org, Online Banking or any branch for the Level Up Member Benefits Program Disclosure (“Disclosure”) for more information regarding the terms and conditions of the Program. Certain restrictions and other limitations apply. By establishing or maintaining an eligible consumer membership you are accepting the terms and conditions of the Program. If you prefer not to participate in the Program you may opt-out, see the Disclosure for more details. The Program terms, conditions and benefits may be amended at the sole discretion of the Credit Union and are subject to change without notice, except where required by law.
2. All loans subject to credit union approval.
3. Restrictions apply. Refer to the Level Up Member Benefits Program Disclosure for more information.
4. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
5. Everyday Member Benefits are not exclusive to the Program and 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 seslocstaging.wpengine.com 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.
6. Basic Checking is not eligible for Courtesy Pay Service or SESLOC Rewards Program for debit cards. Basic Checking incurs a $2.00 monthly fee for paper statements. eStatements are fee-free.
7. Early access to direct deposit funds subject to employer and/or payer terms and conditions. SESLOC Credit Union (“Credit Union”) generally makes these funds available on the day the payment file is received, which may be up to one (1) day earlier than the scheduled payment date. The Credit Union cannot guarantee early access of a direct deposit payment. Other exceptions may apply.
View the complete Level Up Member Benefits Program Disclosure »
Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
