Back to San Luis Obispo credit unions

Sesloc

P.O. BOX 5360, San Luis Obispo, CA 93403
NCUA Insured3.6 (146 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1942

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. BOX 5360

San Luis Obispo, CA 93403

Service Area

This credit union is located in San Luis Obispo and serves members in the CA area. Currently serving 55,815 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

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.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

3.6

146 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Rob Carter

Rob 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

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

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

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

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.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).