Sesloc Credit Union San Luis Obispo CA | Top Auto Loans & Mortgage Deals

Introduction

Welcome to Sesloc, your trusted financial partner since 1942. Located at 3807 Broad St, San Luis Obispo, CA 93401, our branch is committed to serving over 57,900 members with tailored financial solutions designed for individuals and businesses alike. We pride ourselves on being a vital part of the San Luis Obispo community, providing reliable services that help you achieve your financial goals. At Sesloc, we understand that every member's journey is unique. That's why we offer a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. With total assets exceeding $1.13 billion and total deposits reaching $39,670,971, you can trust that your money is in safe hands. Our dedicated team, led by CEO Mike Quamma and Board President Tom Lebens, works tirelessly to create a welcoming environment where you feel valued. Whether you're looking to apply for a loan or open a new account, we've got you covered! Plus, if you ever need to reach us for official correspondence, please note that our mailing address is P.O. Box 5360, San Luis Obispo, CA 93403. We invite you to visit our website at sesloc.org for more information about our services or call us at 805-543-1816 during our lobby hours from 9:00 a.m. to 5:00 p.m., Monday through Friday. Experience the difference with Sesloc where community matters and financial security begins!

Branch History & Mission

Community Commitment

Sesloc is more than just a financial institution; we are deeply committed to our community. Our outreach initiatives focus on partnerships with local organizations and programs that uplift residents and promote economic growth. We strive to ensure that everyone has access to the financial tools they need to thrive. We also embrace modern advancements by providing digital banking options like online banking and mobile payments, making it easier than ever for our members to manage their finances securely and conveniently.

Join Us

As we continue to grow and adapt alongside our community, we invite you to be part of the Sesloc family. Experience firsthand the benefits of membership at Sesloc where your financial success is our priority! If you're ready to start your journey with us or learn more about what we offer, don't hesitate to reach out or visit us today!

Our Mission

Our mission at Sesloc is simple yet profound: to provide accessible financial services that empower individuals and strengthen our community. We believe in fostering relationships built on trust and respect while delivering personalized banking solutions tailored to each member's unique needs. Whether it's helping you secure an auto loan or offering resources for personal savings, our goal is to enhance your financial well-being. While members can visit us at 3807 Broad St for in-person assistance during our operating hours of Monday through Friday from 9:00 a.m. to 5:00 p.m., official correspondence should be sent to P.O. Box 5360, San Luis Obispo, CA 93403.

Branch Location & Accessibility

Welcome to Sesloc! Conveniently located at 3807 Broad St San Luis Obispo Ca 93401 in the heart of San Luis Obispo, CA, our branch is designed with your needs in mind. Whether you're stopping by for a quick transaction or looking to explore our range of financial services, you'll find us easily accessible and ready to assist you. Our branch sits near popular landmarks, making it a familiar spot for locals. If you're visiting us, you'll appreciate the ample parking available, ensuring that your trip is as hassle-free as possible. We're proud to offer features that enhance accessibility for all members, including ADA-compliant entrances and ramps. At Sesloc, we believe in providing exceptional service during our lobby hours from Monday through Friday, 9:00 a.m. to 5:00 p.m. Our friendly staff is always on hand to help with everything from personal banking needs to business inquiries. Additionally, we have an ATM on-site for those who prefer quick cash withdrawals or balance checks at their convenience. If you need to send official correspondence, please note that while you can visit us at 3807 Broad St San Luis Obispo Ca 93401, our mailing address is P.O. Box 5360, San Luis Obispo, CA 93403. We invite you to come visit us at San Luis Obispo Branch! If you have any questions or need assistance before your visit, don't hesitate to give us a call at (805) 543-1816. We look forward to serving you soon!

Member Eligibility

At Sesloc, becoming a member is like joining a warm and welcoming family that cares about your financial well-being. If you're looking to become part of our community, you'll be pleased to know that eligibility is simple and inclusive! We invite anyone who lives, works, or attends school in San Luis Obispo County to join us. Additionally, family members of current members are also welcome to apply. This means you can enjoy the many benefits we offer, from personalized banking services to competitive loan rates tailored just for you. For detailed information about our eligibility criteria, feel free to check out this page. Ready to take the next step? Opening an account at Sesloc is easy and straightforward. You can start the process online by visiting our account opening page. If you have any questions or need assistance along the way, don't hesitate to reach out at (805) 543-1816. We're here to help you every step of the way as you begin your journey with us at 3807 Broad St San Luis Obispo Ca 93401!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine running your day-to-day operations smoothly, knowing you have access to reliable merchant services. At Sesloc, we offer tools that make accepting payments simple, so you can focus on what matters most growing your business. Our services help streamline transactions, manage cash flow, and improve customer satisfaction. Visit us at 3807 Broad St San Luis Obispo Ca 93401, San Luis Obispo, CA, or call us at (805) 543-1816 to learn more about how we can assist you in reaching your business goals!

Tailored Financing Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $149 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $113,986,516, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM & Cash Withdrawal Services ensure that accessing your money is hassle-free. With convenient ATM locations available, withdrawing cash or checking balances is simple wherever life takes you. At Sesloc, we prioritize making banking easy and convenient for everyone in San Luis Obispo and beyond. Explore how our extensive services can make a difference in managing your finances today! Ready to get started? Visit us online at https://www.sesloc.org/ or call us at (805) 543-1816 for more information about opening an account or applying for loans!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms tailored to suit your budget. You can drive away in the vehicle of your choice without breaking the bank. Plus, with our easy online application process, financing has never been simpler.

Business Banking Services

If you're running a business, we have you covered with our Business Banking services, including merchant services and business loans tailored to meet your unique needs. We strive to support local businesses by offering solutions that enhance cash flow and streamline operations.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! They not only provide purchasing power but also reward you for every dollar spent. From cash back to travel points, enjoy benefits that add value to your everyday purchases.

Mortgage Loans & Refinancing

For those considering home ownership or refinancing, our Mortgage Loans offer various options to help you find the perfect fit for your financial situation. Our team will guide you through every step of the process, ensuring you feel confident and informed along the way.

Personal Banking Solutions

Your journey towards financial stability starts here. We offer Personal Banking, including checking and savings accounts that fit your lifestyle. Whether you're looking to save for a rainy day or manage everyday expenses, our accounts come with features that make banking easy and accessible. Imagine having the flexibility to check your balance or transfer funds right from your smartphone using our Online & Mobile Banking services.

Personal Loans & Debt Consolidation

We also offer Personal Loans & Debt Consolidation solutions that can help you manage life's unexpected expenses or reduce high-interest debt. With straightforward terms and quick approvals, getting the support you need is just a conversation away.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization, which allows you to sign documents securely from the comfort of your home. Gone are the days of printing and mailing forms everything can be completed with just a few clicks! Additionally, e-statements are available for those who want to keep their finances organized without the clutter of paper statements. If you're looking for quick ways to send money to friends or family, our person-to-person transfer feature makes it effortless. You can send money instantly using just their email or phone number. And for those moments when you're out shopping, take advantage of our mobile payments feature it's a convenient way to pay directly from your phone. Your security is also our top priority. We use advanced encryption methods to protect your information while providing an easy-to-use interface that simplifies all your banking needs. With everything designed for accessibility and real-time account management, banking with Sesloc has never been easier or safer. Explore all these features and more today by visiting https://www.sesloc.org/ . Your financial peace of mind is just a click away!

Financial Strength

Commitment to Growth and Innovation

With $102,257,045 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $7,268 in used auto loans and $845,763,591 in total loans and leases, we support our members' financial goals across various sectors. Our $4,545,626 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 178 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $230,593,260 in share certificates and $17,217,033 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $107,997,257, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $953 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Membership Base

Total Share Accounts: 120,412, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,365,960. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sesloc is your trusted partner. Visit us at 3807 Broad St San Luis Obispo Ca 93401 or call (805) 543-1816 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $110,759,616 in used vehicle loans and $48,711,539 in new vehicle loans already helping members get on the road. We provide flexible terms and refinancing options to ensure you find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $113,986,516 provide the capital needed to grow and expand your operations. We work closely with local businesses to create tailored financing solutions that meet their unique challenges. At Sesloc, we pride ourselves on transparency and member satisfaction. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how we can support your financial journey! For more details about eligibility or to start an application process, visit us online at sesloc.org or give us a call at 805-543-1816.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $97,974,677. We make buying or refinancing straightforward with support throughout the entire process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $24,602,985 in loans helping members manage their finances effectively. These cards come with benefits that suit various spending habits and lifestyles.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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SESLOC CREDIT UNION