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%

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SESLOC Credit Union

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SESLOC Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

SESLOC Credit Union's top rates as of October 14, 2026 are 4.07% APY on its 2 Year Business CD, 3.56% APY on savings, 2.02% APY on money market accounts, personal loans from 10.95% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other SESLOC Credit Union CD rates include 2 Year Traditional CD at 4.07%, IRA CD & SEP Plan - 2 year at 4.07%, and 2 Year Business CD at 4.02%. 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 10/14/2026.

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 Q2 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 10/14/2026 Rate History No change since Sep 30, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 2 year	4.00%	4.07%	2 year
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.07% APY 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 10/14/2026 Rate History No change since Sep 30, 2026 · 4.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 2 year	3.95%	4.02%	2 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.02% APY 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 2 year	3.90%	3.97%	2 year
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.97% APY 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 2 year	3.85%	3.92%	2 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.92% APY 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 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 - 12 month	3.65%	3.71%	12 months
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 3 year	3.65%	3.71%	3 year
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 4 year	3.65%	3.71%	4 year
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 5 year	3.65%	3.71%	5 year
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000.00 and over; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.71% APY 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.66% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.66% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.66% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.66% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.66% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 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 - 12 month	3.60%	3.66%	12 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 3 year	3.60%	3.66%	3 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 4 year	3.60%	3.66%	4 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 5 year	3.60%	3.66%	5 year
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.66% APY 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.61% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.61% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.61% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.61% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.61% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 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 - 12 month	3.55%	3.61%	12 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 3 year	3.55%	3.61%	3 year
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 4 year	3.55%	3.61%	4 year
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 5 year	3.55%	3.61%	5 year
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.61% APY 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 Details $25 minimum opening balance; Dividend Rate 3.50% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 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 - 12 month	3.50%	3.56%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 3 year	3.50%	3.56%	3 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 4 year	3.50%	3.56%	4 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - 5 year	3.50%	3.56%	5 year
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.90; $500 minimum opening balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.56% APY 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.30% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.30% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 4.07% APY · checked 5 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 4.07% → 4.02% ▼ 0.05 pts · high 4.07% / low 4.02% Oct 14, 20264.02%▼ from 4.07% Sep 30, 20264.07%first recorded 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.92% → 3.97% ▲ 0.05 pts · high 3.97% / low 3.92% Oct 14, 20263.97%▲ from 3.92% Sep 30, 20263.92%first recorded 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.92% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.71% APY · checked 5 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.71% → 3.66% ▼ 0.05 pts · high 3.71% / low 3.66% Oct 14, 20263.66%▼ from 3.71% Sep 30, 20263.71%first recorded 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.71% → 3.66% ▼ 0.05 pts · high 3.71% / low 3.66% Oct 14, 20263.66%▼ from 3.71% Sep 30, 20263.71%first recorded 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.71% → 3.66% ▼ 0.05 pts · high 3.71% / low 3.66% Oct 14, 20263.66%▼ from 3.71% Sep 30, 20263.71%first recorded 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.71% → 3.66% ▼ 0.05 pts · high 3.71% / low 3.66% Oct 14, 20263.66%▼ from 3.71% Sep 30, 20263.71%first recorded 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56% Oct 14, 20263.61%▲ from 3.56% Sep 30, 20263.56%first recorded 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56% Oct 14, 20263.61%▲ from 3.56% Sep 30, 20263.56%first recorded 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56% Oct 14, 20263.61%▲ from 3.56% Sep 30, 20263.56%first recorded 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 10/14/2026 Rate History 1 change since Sep 30, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56% Oct 14, 20263.61%▲ from 3.56% Sep 30, 20263.56%first recorded 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.30% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 3.30% APY · checked 5 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; Savings tier; $5 minimum opening balance required to maintain membership Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 3.56% APY · checked 3 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 10/14/2026 Rate History No change since Sep 30, 2026 · 0.65% APY · checked 5 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; Savings tier; $5 minimum opening balance required to maintain membership Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 0.30% APY · checked 3 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 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 5 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 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 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 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 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 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 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; Savings tier; $5 minimum opening balance required to maintain membership Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 0.15% APY · checked 3 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 $25,000 Details Balance: $25,000.00 - $49,999.99; Savings tier; $5 minimum opening balance required to maintain membership Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 0.15% APY · checked 3 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 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Savings	0.15%	0.15%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Savings	0.15%	0.15%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Business Savings	0.15%	0.15%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 5 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 10/14/2026 Rate History No change since Sep 30, 2026 · 1.26% APY · checked 5 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 $500,000 Details Balance: $500,000.00 and over; $5,000 daily balance required to open and avoid maintenance fee Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 5 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 $250,000 Details Balance: $250,000.00 - $499,999.99; $5,000 daily balance required to open and avoid maintenance fee Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 5 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; Average Daily Balance tier Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 2.02% → 2.00% ▼ 0.02 pts · high 2.02% / low 2.00% Oct 14, 20262.00%▼ from 2.02% Sep 30, 20262.02%first recorded 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; $5,000 daily balance required to open and avoid maintenance fee Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 5 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; $5,000 daily balance required to open and avoid maintenance fee Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 5 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; $5,000 daily balance required to open and avoid maintenance fee Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

SESLOC Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC Revolving Line of Credit	-	-	6.99%
Details Variable rate index: Prime Rate; APR range: 6.99% - 8.99% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
HELOC Fixed Rate Segment	-	-	7.01%	60 months
Details APR range: 7.01% - 9.00% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.01% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
HELOC Fixed Rate Segment	-	-	7.09%	84 months
Details APR range: 7.09% - 9.09% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
HELOC Fixed Rate Segment	-	-	7.15%	120 months
Details APR range: 7.15% - 9.14% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
HELOC Fixed Rate Segment	-	-	7.20%	180 months
Details APR range: 7.20% - 9.19% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.20% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
HELOC Fixed Rate Segment	-	-	7.25%	240 months
Details APR range: 7.25% - 9.24% Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.25% APR · checked 4 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 Vehicles Loan	-	-	5.24%	Up to 63 months
Details Includes cars, trucks, SUVs and motorcycles; APR range: 5.24% - 13.99% Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 6, 20265.24%▲ from 4.99% Sep 30, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Vehicles Loan	-	-	5.59%	64-75 months
Details Includes cars, trucks, SUVs and motorcycles; APR range: 5.59% - 15.44% Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 5.34% → 5.59% ▲ 0.25 pts · high 5.59% / low 5.34% Oct 6, 20265.59%▲ from 5.34% Sep 30, 20265.34%first recorded 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 APR range: 5.99% - 8.74%; For loans up to $100,000; Vehicles less than 7 years old and mileage less than 1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR 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 10/14/2026 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 Vehicles Loan	-	-	6.29%	76-84 months
Details Includes cars, trucks, SUVs and motorcycles; APR range: 6.29% - 9.99% Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 6.04% → 6.29% ▲ 0.25 pts · high 6.29% / low 6.04% Oct 6, 20266.29%▲ from 6.04% Sep 30, 20266.04%first recorded 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 APR range: 6.34% - 9.74%; For loans up to $100,000; Vehicles less than 7 years old and mileage less than 1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.34% APR 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 10/14/2026 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 Published APR range: 6.74% - 9.74%. For loans up to $100,000; APR range shown for Up to 60 months; APR is based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.74% APR 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 10/14/2026 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 APR range: 7.04% - 7.94%; For loans up to $100,000; Vehicles less than 7 years old and mileage less than 1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.04% APR 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 Published APR range: 7.24% - 9.74%. For loans up to $100,000; APR range shown for 61-72 months; APR is based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.24% APR 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 Published APR range: 7.74% - 8.64%. For loans up to $100,000; APR range shown for 73-84 months; APR is based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.74% APR 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 Published APR range: 7.99% - 10.74%. For loans up to $100,000; APR based on credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.99% APR 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 Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers; APR range 8.05% - 15.00% Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 8.05% APR · checked 3 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 Published APR range: 8.25% - 15.20%. Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Recreational Vehicles Loan	-	8.50%	85-120 months
Details Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers; APR range 8.50% - 15.50% Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Recreational Vehicles Loan	-	8.70%	85-120 months
Details Published APR range: 8.70% - 15.70%. Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 8.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Recreational Vehicles Loan	-	8.85%	121-180 months
Details Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers; APR range 8.85% - 9.70% Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 8.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Recreational Vehicles Loan	-	9.05%	121-180 months
Details Published APR range: 9.05% - 9.90%. Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 9.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Recreational Vehicles Loan	-	9.50%	181-240 months
Details Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers; APR range 9.50% - 9.90% Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Recreational Vehicles Loan	-	9.70%	181-240 months
Details Published APR range: 9.70% - 10.10%. Includes boats, jet skis, motorhomes, travel trailers, flatbed trailers and horse trailers Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 9.70% APR · checked 3 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 APR range 11.50% - 17.50% based on creditworthiness at time of application; covers Purchases and Balance Transfers and Cash Advances; APR varies thereafter based on Prime Rate; for loans up to $50,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.50% APR 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; APR effective as of 09/17/26 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.90% APR 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 10/14/2026 Rate History No change since Sep 30, 2026 · 10.95% APR · checked 5 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
Basic Business Term Loan	-	-	11.99%
Details Secured and Unsecured; For loans up to $100,000; Fixed rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Life Event Loan	-	-	18.00%	12 months
Details Amount: $500-$1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 18.00% APR 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 10/14/2026 Rate History No change since Oct 14, 2026 · 18.00% APR 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 10/14/2026 Rate History No change since Oct 14, 2026 · 18.00% APR 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 10/14/2026 Rate History No change since Oct 14, 2026 · 18.00% APR 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 10/14/2026 Rate History No change since Oct 6, 2026 · 18.00% APR · checked 3 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 10/14/2026 Rate History No change since Sep 30, 2026 · 11.95% APR · checked 5 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 10/14/2026 Rate History No change since Oct 14, 2026 · 28.00% APR 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 10/14/2026 Rate History No change since Oct 14, 2026 · 28.00% APR 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 10/14/2026 Rate History No change since Oct 14, 2026 · 28.00% APR 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 10/14/2026 Rate History No change since Oct 14, 2026 · 28.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Sustainable Loans	-	-	7.49%	Up to 84 month
Details Published 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 10/14/2026 Rate History No change since Oct 14, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Sustainable Loans	-	-	7.99%	120 month
Details Published 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 10/14/2026 Rate History No change since Oct 14, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Sustainable Loans	-	-	8.99%	144 month
Details Published 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 10/14/2026 Rate History No change since Oct 14, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Youth Agricultural Loan	-	-	5.00%	12 months
Details Single payment loan, up to $2,000; principal and interest due upon animal sale or in 12 months from loan date Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.00% APR 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

Q2 2026 MBR Health & Safety Badge

SESLOC Credit Union earned the Verified Healthy badge

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About SESLOC Credit Union

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.

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 October 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 Home Equity & HELOC

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

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?

Current SESLOC Credit Union Rates

Compare to Other Credit Unions