☰

Home›
Credit Unions›
SESLOC

iAdvertiser Disclosure

SESLOC Rates & Review April 2026

Q: Is SESLOC a safe place to deposit money?

Yes, SESLOC is considered a safe financial institution. With a Texas Ratio of 4.3824031990662%, 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.

Q: How many branches does SESLOC operate?

SESLOC currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SESLOC?

Yes, to access services at SESLOC, 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.

Q: Is there a first-time homebuyer program?

Currently, SESLOC 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SESLOC provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 15, 2026

You can compare SESLOC rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 3.75%. Savings rates are at 0.10% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to SESLOC rates. MonitorBankRates evaluates the financial stability of SESLOC with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.38%. Rates were last updated on 04/15/2026.

SESLOC 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? Share your experience about SESLOC by leaving a review below, or read customer reviews before you decide to use SESLOC.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.38%

Excellent Lower than avg

SESLOC
Headquarters

3855 Broad St
San Luis Obispo, CA 93401

http://www.sesloc.org

Current Rate Availability

We do not have SESLOC rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SESLOC 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SESLOC

Website http://www.sesloc.org

Address 3855 Broad St, San Luis Obispo, CA 93401

Phone 805-543-1816

Fax 805-546-9622

President Tom Lebens

CEO Mike Quamma

Full-Time Employees 188

Part-Time Employees 3

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.38%

Return on Assets (ROA)

0.3505%

Return on Equity (ROE)

3.7012%

Non-Performing Loans Ratio (NPL)

0.56%

Total Assets

1,192,851,195

Total Amount of Shares and Deposits

1,066,463,494

Total Shares and Deposits < 1 Year

1,041,259,283

Total Shares and Deposits 1 3 Years

18,216,777

Total Shares and Deposits > 3 Years

6,987,434

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

118,519,681

Total Uninsured Shares and Deposits > $250K (F+J)

118,519,681

Total Insured Shares and Deposits > $250K (item 17 less item K)

947,943,813

Total Interest Expense (Sum of items 6 8)

10,087,123

Share Certificates

6,899

Number of Accounts for Share Drafts

43,665

IRA KEOGH Accounts

3,870

Number of Accounts for Regular Shares

64,488

All other shares

562

Money Market Shares

337

Net Income (unless the amount is already included in Undivided Earnings)

4,180,681

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

122,854,491

Total Liabilities

1,082,814,830

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for SESLOC yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for SESLOC

Frequently Asked Questions About SESLOC

Is SESLOC a safe place to deposit money?

Yes, SESLOC is considered a safe financial institution. With a Texas Ratio of 4.3824031990662%, 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 operate?

SESLOC 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?

Yes, to access services at SESLOC, 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does SESLOC offer online and mobile banking?

Most modern institutions like SESLOC 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: http://www.sesloc.org.