SESLOC members enjoy the beautiful Central Coast weather.

Para Todos

Para Todos

A place for everyone.

SESLOC members enjoy the beautiful Central Coast weather.
SESLOC Credit Union

Para Todos

A place for everyone.

Para Todos

It’s the people that make Santa Maria.

The go-getters, the do-gooders and the kick-backers. People like you. That’s who we’re here for.


When you bank with a local credit union, you get the unique benefit of special care and consideration from people who truly understand you and your dreams. Because we love this place as much as you do. 

Join SESLOC online in just minutes.

Or see helpful FAQs »

Why should I join?

57,000 of your friends and family are here.

And we’ve been at it for 80 years.

Not for Profit

Affordable Loans

Membership Benefits

Your family and friends are SESLOC members.

Plus, we offer

Everyday Member Benefits¹

for your family and your futuro.

SESLOC checking debit card

Free Checking

Our HomeFREE Checking™ account has no minimum balance requirement and no monthly fee. It really is all sunshine and rainbows.

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Get Rewarded

Earn SESLOC Rewards points with SESLOC debit card purchases, redeemable for jaw-dropping sporting events, cash back, electronics, housewares and some serious travel.

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More ATM Access than Most Banks

Surcharge-Free ATM Transactions at SESLOC and CO-OP ATMs, which includes 55 local and 30,000+ nationwide.

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Early Direct Deposit²

Skip a branch or ATM visit. Get access to direct deposit funds a day early.

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Take it to Go

Deposit checks and manage your account on the go via our mobile app

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Tap to Pay

Load your SESLOC debit card in Apple Pay, Google Pay, or Samsung Pay to make contactless payments at the register or for online orders. 

Plus more!

Happy family of SESLOC members.

We give you the financial tools to find your success.

Whether you need a free checking account or an affordable loan to get to the next level, we’re here for you.

After all, this is our community. So we look out for each other. Because when one of us succeeds, we all succeed. It’s not just the neighborly thing to do — it’s the right thing to do.

Your nearest SESLOC branch:

When you join SESLOC, you put your money where your community is. 

Santa Maria

We're Open Now


2506 South Broadway, Santa Maria, CA 93454
(At the Southeast corner of S. Broadway and E. McCoy Lane.)

Lobby Hours

Monday - Friday9:00 AM - 5:00 PM
Saturday - SundayClosed


24 hour ATM

We also have five other locations across the Central Coast to serve you. 

What is a credit union? May I join?

Credit union members share a common bond, such as where they work or live. We are a cooperative financial institution, formed to give back to our members, not stockholders. Profits are returned to members in the form of lower loan rates, higher savings rates, and lower cost services. Our members are local, so money stays local, and SESLOC stays community focused.

You are eligible for membership if you live, work or attend school in Northern Santa Barbara or San Luis Obispo counties. Or, if you have a family member who is already a member at SESLOC, you could join too. Simple as that. 

To get started, you’ll pay a one-time membership of just $5, and deposit $5 into a Primary Share Savings account. Then, you’re eligible for Everyday Member Benefits. 

SESLOC is member-owned
Woman on couch shopping online with her SESLOC Visa credit card

Finance Your Dreams

We offer great rates on auto, home, personal loans and credit cards. Ask about our specials!


Workers were kind and able to assist me.👍

– Jose G., Santa Maria

Love this bank! 🤗😁👍 The workers are sooo nice and friendly!!

– Lanie R., Santa Maria


Skip a branch visit. Our online application takes just minutes.

Or, call us at (805) 543-1816 or visit any branch.

Free Financial Education Opportunities

Including webinars, eBooks, online calculators, financial counseling, and more.

Woman reviewing finances on laptop at home.
1. 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 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.
2. 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.
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.
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.
Insured by NCUA
Equal Housing Lender NMLS #411619
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