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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 SESLOC Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
SESLOC Federal Credit Union's Business CDs 12 month rates are at 3.66%, Business CDs 12 month rates are at 3.61%, Business CDs 12 month rates are at 3.56%, Business CDs 2 year rates are at 3.40%, Business CDs 3 month rates are at 3.40%. SESLOC Federal Credit Union's savings rates are at 0.15%. SESLOC Federal Credit Union's money market rates are at 0.00%. MonitorBankRates evaluates the financial stability of SESLOC Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.27%. Rates were last updated on 04/17/2026. SESLOC Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SESLOC Federal Credit Union? Share your experience about SESLOC Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SESLOC Federal Credit Union. SESLOC Federal Credit Union
Headquarters 3855 Broad St
https://www.sesloc.org San Luis Obispo, CA 93401 
SESLOC Federal Credit Union CD Rates
SESLOC Federal Credit Union Savings Rates
SESLOC Federal Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SESLOC Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather SESLOC Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with SESLOC Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SESLOC Federal Credit Union
Website
https://www.sesloc.org
Address
3855 Broad St,
San Luis Obispo, CA 93401
Phone
805-543-1816
Fax
805-546-9622
President
Tom Lebens
CEO
Gerianne La Chance
Full-Time Employees
177
Part-Time Employees
5
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.27%
Return on Assets (ROA)
0.3213%
Return on Equity (ROE)
3.7370%
Non-Performing Loans Ratio (NPL)
0.51%
Total Assets
1,197,415,948
Total Amount of Shares and Deposits
1,043,664,792
Total Shares and Deposits < 1 Year
1,008,458,102
Total Shares and Deposits 1 3 Years
26,866,500
Total Shares and Deposits > 3 Years
8,340,190
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
102,755,322
Total Uninsured Shares and Deposits > $250K (F+J)
102,755,322
Total Insured Shares and Deposits > $250K (item 17 less item K)
940,909,470
Total Interest Expense (Sum of items 6 8)
5,680,449
Share Certificates
5,048
Number of Accounts for Share Drafts
41,156
IRA KEOGH Accounts
4,123
Number of Accounts for Regular Shares
67,062
All other shares
557
Money Market Shares
192
Net Income (unless the amount is already included in Undivided Earnings)
3,847,173
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,506,269
Total Liabilities
1,112,553,472
Source: NCUA — Last Updated 09/30/2023
Frequently Asked Questions About SESLOC Federal Credit UnionIs SESLOC Federal Credit Union a safe place to deposit money?Yes, SESLOC Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.2742912533379%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does SESLOC Federal Credit Union operate?SESLOC Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join SESLOC Federal Credit Union?Yes, to access services at SESLOC Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, SESLOC Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, SESLOC Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does SESLOC Federal Credit Union offer online and mobile banking?Most modern institutions like SESLOC Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sesloc.org. Current SESLOC Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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