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SESLOC Credit Union

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SESLOC Credit Union Rates & Review November 2026

Q: What are the current interest rates at SESLOC Credit Union?

Current rates for SESLOC Credit Union include: 12-Month CD: 3.56%, 18-Month CD: 3.56%, 24-Month CD: 3.92%, 60-Month CD: 3.56%, Savings: 3.56%, MMA: 2.02%

Q: What CD terms does SESLOC Credit Union offer?

SESLOC Credit Union CD rates are 3.71% APY for a 12 month CD, 3.71% APY for a 15 month CD, 3.71% APY for an 18 month CD, 4.07% APY for a 2 year CD, 3.71% APY for a 3 year CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with SESLOC Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

SESLOC Credit Union's 2 Year Traditional CD rates are at 4.07%, 12 Month Traditional CD rates are at 3.71%, 15 Month Traditional CD rates are at 3.71%, 18 Month Traditional CD rates are at 3.71%, 3 Year Traditional CD rates are at 3.71%. SESLOC Credit Union's savings rates are at 3.56%. SESLOC Credit Union's money market rates are at 2.02%. SESLOC Credit Union's Personal Loan Rates are as low as 10.95%. SESLOC Credit Union's Credit Card Rates are at 11.50%. SESLOC Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of SESLOC Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.96%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.96%

Excellent Lower than avg

Health Trend

Very strong 10 quarters

Full history ›

SESLOC Credit Union
Headquarters

3855 Broad St
San Luis Obispo, CA 93401

http://www.sesloc.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

SESLOC Credit Union CD Rates

Product	Rate	APY	Term
2 Year Traditional Share Certificate	4.00%	4.07%	2 year
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 2 year	4.00%	4.07%	2 year
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
2 Year Traditional Share Certificate	3.95%	4.02%	2 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 2 year	3.95%	4.02%	2 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
2 Year Traditional Share Certificate	3.90%	3.97%	2 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.97% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 2 year	3.90%	3.97%	2 year
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
2 Year Traditional Share Certificate	3.85%	3.92%	2 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 2 year	3.85%	3.92%	2 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Traditional Share Certificate	3.65%	3.71%	12 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
15 Month Traditional Share Certificate	3.65%	3.71%	15 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
18 Month Traditional Share Certificate	3.65%	3.71%	18 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Year Traditional Share Certificate	3.65%	3.71%	3 year
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
4 Year Traditional Share Certificate	3.65%	3.71%	4 year
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
5 Year Traditional Share Certificate	3.65%	3.71%	5 year
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 12 month	3.65%	3.71%	12 months
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 3 year	3.65%	3.71%	3 year
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 4 year	3.65%	3.71%	4 year
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 5 year	3.65%	3.71%	5 year
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Traditional Share Certificate	3.60%	3.66%	12 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
15 Month Traditional Share Certificate	3.60%	3.66%	15 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
18 Month Traditional Share Certificate	3.60%	3.66%	18 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Year Traditional Share Certificate	3.60%	3.66%	3 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
4 Year Traditional Share Certificate	3.60%	3.66%	4 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
5 Year Traditional Share Certificate	3.60%	3.66%	5 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 12 month	3.60%	3.66%	12 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 3 year	3.60%	3.66%	3 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 4 year	3.60%	3.66%	4 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 5 year	3.60%	3.66%	5 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Traditional Share Certificate	3.55%	3.61%	12 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
15 Month Traditional Share Certificate	3.55%	3.61%	15 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
18 Month Traditional Share Certificate	3.55%	3.61%	18 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Year Traditional Share Certificate	3.55%	3.61%	3 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
4 Year Traditional Share Certificate	3.55%	3.61%	4 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
5 Year Traditional Share Certificate	3.55%	3.61%	5 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 12 month	3.55%	3.61%	12 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 3 year	3.55%	3.61%	3 year
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 4 year	3.55%	3.61%	4 year
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 5 year	3.55%	3.61%	5 year
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Building Block Share Certificate	3.50%	3.56%	12 months
Min Deposit $250 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Save to Win Share Certificate	3.50%	3.56%	12 months
Min Deposit $25 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Traditional Share Certificate	3.50%	3.56%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
15 Month Traditional Share Certificate	3.50%	3.56%	15 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
18 Month Traditional Share Certificate	3.50%	3.56%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Year Traditional Share Certificate	3.50%	3.56%	3 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
4 Year Traditional Share Certificate	3.50%	3.56%	4 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
5 Year Traditional Share Certificate	3.50%	3.56%	5 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 12 month	3.50%	3.56%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 3 year	3.50%	3.56%	3 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 4 year	3.50%	3.56%	4 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 5 year	3.50%	3.56%	5 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Month Traditional Share Certificate	3.40%	3.45%	3 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
6 Month Traditional Share Certificate	3.40%	3.45%	6 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Month Traditional Share Certificate	3.35%	3.40%	3 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
6 Month Traditional Share Certificate	3.35%	3.40%	6 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Month Traditional Share Certificate	3.30%	3.35%	3 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
6 Month Traditional Share Certificate	3.30%	3.35%	6 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Month Traditional Share Certificate	3.25%	3.30%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
6 Month Traditional Share Certificate	3.25%	3.30%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Business CD Rates

Product	Rate	APY	Term
2 Year Business Share Certificate	4.00%	4.07%	2 year
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
2 Year Business Share Certificate	3.95%	4.02%	2 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
2 Year Business Share Certificate	3.90%	3.97%	2 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.97% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
2 Year Business Share Certificate	3.85%	3.92%	2 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Business Share Certificate	3.65%	3.71%	12 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Year Business Share Certificate	3.65%	3.71%	3 year
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
4 Year Business Share Certificate	3.65%	3.71%	4 year
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
5 Year Business Share Certificate	3.65%	3.71%	5 year
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Business Share Certificate	3.60%	3.66%	12 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Year Business Share Certificate	3.60%	3.66%	3 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
4 Year Business Share Certificate	3.60%	3.66%	4 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
5 Year Business Share Certificate	3.60%	3.66%	5 year
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Business Share Certificate	3.55%	3.61%	12 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Year Business Share Certificate	3.55%	3.61%	3 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
4 Year Business Share Certificate	3.55%	3.61%	4 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
5 Year Business Share Certificate	3.55%	3.61%	5 year
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
12 Month Business Share Certificate	3.50%	3.56%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Year Business Share Certificate	3.50%	3.56%	3 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
4 Year Business Share Certificate	3.50%	3.56%	4 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
5 Year Business Share Certificate	3.50%	3.56%	5 year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Month Business Share Certificate	3.40%	3.45%	3 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
6 Month Business Share Certificate	3.40%	3.45%	6 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Month Business Share Certificate	3.35%	3.40%	3 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
6 Month Business Share Certificate	3.35%	3.40%	6 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Month Business Share Certificate	3.30%	3.35%	3 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
6 Month Business Share Certificate	3.30%	3.35%	6 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
3 Month Business Share Certificate	3.25%	3.30%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
6 Month Business Share Certificate	3.25%	3.30%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Savings Rates

Product	Rate	APY
Primary Share Savings Accounts	3.50%	3.56%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - $1,000.00 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Savings	0.65%	0.65%
Min Balance $5 Details Balance: $5.00 and over Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Primary Share Savings Accounts	0.30%	0.30%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Secondary Share Savings Accounts	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000.00 and over; There is no minimum opening balance required to maintain this account. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Secondary Share Savings Accounts	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 - $1,000.00; There is no minimum opening balance required to maintain this account. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Secondary Share Savings Accounts	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000.01 - $24,999.99; There is no minimum opening balance required to maintain this account. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Secondary Share Savings Accounts	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; There is no minimum opening balance required to maintain this account. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Primary Share Savings Accounts	0.15%	0.15%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000.01 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.30%	0.30%
Min Deposit $5 Details Balance: $50,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Savings	0.15%	0.15%
Min Deposit $5 Details Balance: $0.00 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.00%	2.02%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Money Market Account	2.00%	2.02%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Money Market Account	1.75%	1.76%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Money Market Account	1.75%	1.76%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Money Market Account	1.25%	1.26%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Money Market Account	0.00%	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	2.00%	2.02%
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Money Market Account	2.00%	2.02%
Min Deposit $5,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Money Market	2.00%	2.00%
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; $5,000 daily balance required to open and avoid maintenance fee Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Money Market Account	1.75%	1.76%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Money Market Account	1.75%	1.76%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00- $249,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Money Market Account	1.25%	1.26%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $49,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Money Market Account	0.00%	0.00%
Min Deposit $5,000 Min Balance $0 Details Balance: $0.00 -$4,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Auto Loan - Up to 63 months	-	-	5.24%	Up to 63 months
Details APR range: 5.24% - 13.99%; Includes cars, trucks, SUVs and motorcycles Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Vehicle Auto Loan - 64-75 months	-	-	5.59%	64-75 months
Details APR range: 5.59% - 15.44%; Includes cars, trucks, SUVs and motorcycles Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Basic Business Vehicle Loan - New Vehicles	-	-	5.99%	Up to 60 months
Details For loans up to $100,000; APR range 5.99% - 8.74%; APR based on credit score Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 5.99% / low 5.74% Oct 26, 20265.99%▲ from 5.74% Oct 19, 20265.74%▼ from 5.99% Oct 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Vehicles Loan	-	-	5.99%	Up to 63 months
Details APR range: 5.99% - 14.44% Last Updated 10/30/2026 Rate History 1 change since Sep 30, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 6, 20265.99%▲ from 5.74% Sep 30, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Vehicle Auto Loan - 76-84 months	-	-	6.29%	76-84 months
Details APR range: 6.29% - 9.99%; Includes cars, trucks, SUVs and motorcycles Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Basic Business Vehicle Loan - New Vehicles	-	-	6.34%	61-72 months
Details For loans up to $100,000; APR range 6.34% - 9.74%; APR based on credit score Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 6.34% → 6.34% ▼ 0.00 pts · high 6.34% / low 6.09% Oct 26, 20266.34%▲ from 6.09% Oct 19, 20266.09%▼ from 6.34% Oct 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Vehicles Loan	-	-	6.49%	64-75 months
Details APR range: 6.49% - 16.25% Last Updated 10/30/2026 Rate History 1 change since Sep 30, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 6, 20266.49%▲ from 6.24% Sep 30, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Basic Business Vehicle Loan - Used Vehicles	-	-	6.74%	Up to 60 months
Details For loans up to $100,000; APR range 6.74% - 9.74% Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 6.74% → 6.74% ▼ 0.00 pts · high 6.74% / low 6.49% Oct 26, 20266.74%▲ from 6.49% Oct 19, 20266.49%▼ from 6.74% Oct 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Vehicles Loan	-	-	6.99%	76-84 months
Details APR range: 6.99% - 9.99% Last Updated 10/30/2026 Rate History 1 change since Sep 30, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 6, 20266.99%▲ from 6.74% Sep 30, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Basic Business Vehicle Loan - New Vehicles	-	-	7.04%	73-84 months
Details For loans up to $100,000; APR range 7.04% - 7.94%; APR based on credit score Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 7.04% → 7.04% ▼ 0.00 pts · high 7.04% / low 6.79% Oct 26, 20267.04%▲ from 6.79% Oct 19, 20266.79%▼ from 7.04% Oct 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Basic Business Vehicle Loan - Used Vehicles	-	-	7.24%	61-72 months
Details For loans up to $100,000; APR range 7.24% - 9.74% Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 7.24% → 7.24% ▼ 0.00 pts · high 7.24% / low 6.99% Oct 26, 20267.24%▲ from 6.99% Oct 19, 20266.99%▼ from 7.24% Oct 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Basic Business Vehicle Loan - Used Vehicles	-	-	7.74%	73-84 months
Details For loans up to $100,000; APR range 7.74% - 8.64% Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 7.74% → 7.74% ▼ 0.00 pts · high 7.74% / low 7.49% Oct 26, 20267.74%▲ from 7.49% Oct 19, 20267.49%▼ from 7.74% Oct 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Basic Business Vehicle Loan - Older Used Vehicles	-	-	7.99%	Up to 60 months
Details APR range: 7.99% - 10.74%; For loans up to $100,000; APR based on credit score Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 7.99% → 7.99% ▼ 0.00 pts · high 7.99% / low 7.74% Oct 26, 20267.99%▲ from 7.74% Oct 19, 20267.74%▼ from 7.99% Oct 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicles Loan	-	8.05%	Up to 84 months
Details APR range: 8.05% - 15.00%; Term as printed: New up to 84; Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.05% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Recreational Vehicles Loan	-	8.25%	Up to 84 months
Details APR range: 8.25% - 15.20% Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Recreational Vehicles Loan	-	8.50%	85-120 months
Details APR range: 8.50% - 15.50%; Term as printed: New 85-120; Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Recreational Vehicles Loan	-	8.70%	85-120 months
Details APR range: 8.70% - 15.70% Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.70% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Recreational Vehicles Loan	-	8.85%	121-180 months
Details APR range: 8.85% - 9.70%; Term as printed: New 121-180; Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.85% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Recreational Vehicles Loan	-	9.05%	121-180 months
Details APR range: 9.05% - 9.90% Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 9.05% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Recreational Vehicles Loan	-	9.50%	181-240 months
Details APR range: 9.50% - 9.90%; Term as printed: New 181-240; Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Recreational Vehicles Loan	-	9.70%	181-240 months
Details APR range: 9.70% - 10.10% Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 9.70% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Credit Card Rates

Product	Rate	APR
Basic Business Visa Credit Card	-	11.50%
Details As Low As; APR range 11.50% - 17.50% for Purchases and Balance Transfers and Cash Advances, based on creditworthiness at application; APR varies thereafter with Prime Rate; for loans up to $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Visa Credit Card	-	13.90%
Details As Low As; fixed rate; no penalty rates; no annual fee; no cash advance fee; cash advances and balance transfers at the same rate; APR effective as of 09/17/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 13.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	10.95%	Up to 60 months
Details APR range: 10.95% - 17.95% Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 10.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Life Event Loan	-	-	18.00%	12 months
Details Amount: $500-$1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Life Event Loan	-	-	18.00%	18 months
Details Amount: $1,001-$1,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Life Event Loan	-	-	18.00%	24 months
Details Amount: $1,501-$2,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Life Event Loan	-	-	18.00%	30 months
Details Amount: $2,001-$2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Life Event Loan	-	-	18.00%	36 months
Details Amount: $2,501-$3,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Line of Credit	-	-	11.95%	Open End
Details APR range: 11.95% - 17.95% Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 11.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Revolving Line of Credit	-	-	7.01%	60 months
Details Fixed rate segment; Term (in months): 60; APR range: 7.01% - 9.00% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.01% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Revolving Line of Credit	-	-	7.09%	84 months
Details Fixed rate segment; Term (in months): 84; APR range: 7.09% - 9.09% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Revolving Line of Credit	-	-	7.15%	120 months
Details Fixed rate segment; Term (in months): 120; APR range: 7.15% - 9.14% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Revolving Line of Credit	-	-	7.20%	180 months
Details Fixed rate segment; Term (in months): 180; APR range: 7.20% - 9.19% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Revolving Line of Credit	-	-	7.25%	240 months
Details Fixed rate segment; Term (in months): 240; APR range: 7.25% - 9.24% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Smart Payday Loan	-	-	28.00%	3 months
Details Amount: $200-$500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 28.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Smart Payday Loan	-	-	28.00%	6 months
Details Amount: $501-$800 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 28.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Smart Payday Loan	-	-	28.00%	9 months
Details Amount: $801-$1,100 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 28.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Smart Payday Loan	-	-	28.00%	12 months
Details Amount: $1,101-$1,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 28.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Sustainable Loans	-	-	7.49%	Up to 84 month
Details APR range: 7.49% - 8.49%; For eco-friendly projects, including energy efficient windows and appliances, solar panels, water-wise landscaping and more Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Sustainable Loans	-	-	7.99%	120 month
Details APR range: 7.99% - 9.49%; For eco-friendly projects, including energy efficient windows and appliances, solar panels, water-wise landscaping and more Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Sustainable Loans	-	-	8.99%	144 month
Details APR range: 8.99% - 10.99%; For eco-friendly projects, including energy efficient windows and appliances, solar panels, water-wise landscaping and more Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Youth Agricultural Loan	-	-	5.00%	12 months
Details Single payment loan with all principal and interest due upon animal sale, or in 12 months from the date of the loan. Up to $2,000. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

SESLOC Credit Union’s Texas Ratio stayed near 2.85% in Q1 2024 to 2.96% in Q2 2026, so its financial health has stayed very strong over the past 10 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	2.96%	5.0	A+
March 31, 2026	$1.3B	3.57%	5.0	A+
December 31, 2025	$1.2B	4.85%	5.0	A+
September 30, 2025	$1.2B	4.10%	5.0	A+
June 30, 2025	$1.2B	3.88%	5.0	A+
March 31, 2025	$1.2B	3.10%	5.0	A+
December 31, 2024	$1.1B	3.32%	5.0	A+
September 30, 2024	$1.1B	3.06%	5.0	A+
June 30, 2024	$1.1B	2.38%	5.0	A+
March 31, 2024	$1.2B	2.85%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name SESLOC Credit Union

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 196

Part-Time Employees 1

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+ (99/100)

Texas Ratio

2.96%

Return on Assets (ROA)

0.2636%

Return on Equity (ROE)

2.8026%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

1,256,577,045

Total Amount of Shares and Deposits

1,126,392,156

Total Shares and Deposits < 1 Year

1,103,967,344

Total Shares and Deposits 1 3 Years

16,087,436

Total Shares and Deposits > 3 Years

6,337,376

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

129,665,741

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

129,665,741

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

996,726,415

Total Interest Expense (Sum of items 6 8)

7,211,402

Share Certificates

7,456

Number of Accounts for Share Drafts

44,659

IRA KEOGH Accounts

3,767

Number of Accounts for Regular Shares

65,604

All other shares

580

Money Market Shares

408

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

3,312,262

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

101,662,939

Total Liabilities

1,141,169,986

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SESLOC Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About SESLOC Credit Union

Does SESLOC Credit Union offer CDs?

Yes. SESLOC Credit Union current CD rates include its 2 Year Traditional CD at 4.07% APY, its 12 Month Traditional CD at 3.71% APY and its 15 Month Traditional CD at 3.71% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from SESLOC Credit Union NCUA insured?

Yes. SESLOC Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at SESLOC Credit Union?

The highest SESLOC Credit Union CD rate is its 2 Year Business CD at 4.07% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does SESLOC Credit Union offer?

SESLOC Credit Union CD rates are 3.71% APY for a 12 month CD, 3.71% APY for a 15 month CD, 3.71% APY for an 18 month CD, 4.07% APY for a 2 year CD, 3.71% APY for a 3 year CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with SESLOC Credit Union for its full lineup.

What is the highest savings rate at SESLOC Credit Union?

The highest SESLOC Credit Union savings rate is its Primary Savings Accounts at 3.56% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at SESLOC Credit Union?

The highest SESLOC Credit Union money market rate is its Business Money Market Account at 2.02% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at SESLOC Credit Union?

The lowest SESLOC Credit Union auto loan rate is its New Vehicle Auto Loan - 64-75 months at 5.59% APR, verified by MonitorBankRates as of October 30, 2026. SESLOC Credit Union auto loan rates are 5.59% APR for a 75 month auto loan and 6.29% APR for an 84 month auto loan.

What is the lowest personal loan rate at SESLOC Credit Union?

The lowest SESLOC Credit Union personal loan rate is its Signature Loan at 10.95% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at SESLOC Credit Union?

The lowest SESLOC Credit Union credit card APR is its Basic Business Visa Credit Card at 11.50% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does SESLOC Credit Union operate?

SESLOC 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 Credit Union?

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

Does SESLOC Credit Union offer online and mobile banking?

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

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do SESLOC Credit Union rates compare?

SESLOC Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. SESLOC Credit Union's top rates are its 2 Year Business CD at 4.07% APY, its Primary Savings Accounts at 3.56% APY, its Business Money Market Account at 2.02% APY, its Signature Loan at 10.95% APR and its Basic Business Visa Credit Card at 11.50% APR, verified by MonitorBankRates on October 30, 2026.

Current SESLOC Credit Union Rates

12-Month CD3.56%
18-Month CD3.56%
24-Month CD3.92%
60-Month CD3.56%
Savings3.56%
MMA2.02%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

SESLOC Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SESLOC Credit Union Texas Ratio

SESLOC Credit Union Health Trend

SESLOC Credit Union CD Rates

SESLOC Credit Union Business CD Rates

SESLOC Credit Union Savings Rates

SESLOC Credit Union Business Savings Rates

SESLOC Credit Union Money Market Rates

SESLOC Credit Union Business Money Market Rates

SESLOC Credit Union Auto Loan Rates

SESLOC Credit Union RV, Boat and Powersport Loan Rates

SESLOC Credit Union Credit Card Rates

SESLOC Credit Union Personal Loan Rates

SESLOC Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SESLOC Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SESLOC Credit Union

Does SESLOC Credit Union offer CDs?

Are CDs from SESLOC Credit Union NCUA insured?

What is the highest CD rate at SESLOC Credit Union?

What CD terms does SESLOC Credit Union offer?

What is the highest savings rate at SESLOC Credit Union?

What is the highest money market rate at SESLOC Credit Union?

What is the lowest auto loan rate at SESLOC Credit Union?

What is the lowest personal loan rate at SESLOC Credit Union?

What is the lowest credit card APR at SESLOC Credit Union?

How many branches does SESLOC Credit Union operate?

Is a member application needed to join SESLOC Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SESLOC Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do SESLOC Credit Union rates compare?

Current SESLOC Credit Union Rates

Compare to Other Credit Unions