NCUA Insured
Member-Owned
2 charter
Established in 1942
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around San Luis Obispo, CA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1942
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in San Luis Obispo and serves members in the CA area. Currently serving 55,815 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
7.45%Used Auto Loan
6.90%Personal Loan
11.95%Credit Card APR
12.75%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).
Burbank, CA
Valencia, CA
Santa Rosa, CA
Glendale, CA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.6
146 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsRob Carter
3 months ago
I'm a member and loyal fan of SESLOC for about 12 years since I got fed up with long lines at WF and CH banks. Ever cash a check at BoA?! Sure, you can bank anywhere in SLO and the people are nice, well, because we live in SLO! But, I really experience an extra warm, friendly atmosphere with a smaller local CU - with all the great services and lowest fees and best interest rates. I've had HELOC, auto loan and ch and sv accounts at many banks. I like SELSOC the best! Rob
J R
3 months ago
One of the tellers here is incredibly rude. I wish I would have gotten her name but I was so flustered after an already difficult morning I had. The woman with curly hair to her shoulders and glasses, is condescending and rude. I had a simple question and was confused about something, and she acted as if was stupid to ask. Kindness goes a long way, and is clearly something she needs to learn.
janaih suyematsu
10 months ago
I am writing to express my appreciation for the exceptional service I have received from Jared Maxwell at Sesloc over the past three years. Jared has consistently demonstrated a remarkable level of knowledge and dedication that has made my financial journey significantly easier and more manageable. Whenever I’ve faced challenges, whether it was navigating the complexities of obtaining an auto loan after an unfortunate accident or consolidating my credit card debt, Jared has always been there to guide me. His patience and willingness to explain things thoroughly, even when I needed a few repetitions to grasp the concepts, have been invaluable. Thanks to his support, I have not only saved a considerable amount of money but have also alleviated significant stress from my financial situation. I highly recommend Jared without any reservations. His expertise and genuine care for his clients truly set him apart in the financial services sector. Thank you for considering my perspective on Jared's outstanding contributions.
Dain Saba
5 months ago
Took 6 weeks for them to tell me that they didn't mail me my title after paying my loan off and had to come pick it up in the branch. When I came to pick it up the tellerwas extremely rude and short. Thankfully will never be back again.
Ralph Perez
a year ago
I have been a long standing customer of Sesloc, have had many loans through them, had my saving and checking. I started pulling my business when I contacted their financial advisor 4 times for a call back and no return call. Then had an issue with a loan took MONTHS to resolve because 2 representatives and 2 managers did not understand how their loans work. Finally got on the 5 time a experienced manager. They used to be a 5 star bank, I would give them 0 stars now. When they were smaller they focused on customer service and attention. Not anymore.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(805) 543-1816Website
Visit WebsiteMembers
55,815
Total Assets
$1.2B
Year Opened
1942
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile