Credit union · NCUA insured
SESLOC Credit Union Savings Rates
SESLOC Credit Union’s best savings rate is 1.26% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How SESLOC Credit Union’s savings rates compare
Compared with banks and credit unions near San Luis Obispo, CA, where SESLOC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SESLOC Credit Union
1.26%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $126
Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Columbia Bank
2.00%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $200
SESLOC Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0003.56%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.26%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SESLOC Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.26%APY
Earn dividends when you maintain $2,500 minimum daily balance. Tiered rate structure. No service fee even if balance falls below the minimum daily balance to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Average Daily Balance tier $0.00 – $2,499.99. Rates are variable and may vary after opening. | 0.00% | — | Average Daily Balance tier $0.00 – $2,499.99. Rates are variable and may vary after opening. |
| $2,500 – $50,000Average Daily Balance tier $2,500.00 – $49,999.99. Rates are variable and may vary after opening. | 1.26% | $126 | Average Daily Balance tier $2,500.00 – $49,999.99. Rates are variable and may vary after opening. |
| $50,000 – $100,000Average Daily Balance tier $50,000.00 – $99,999.99. Rates are variable and may vary after opening. | 1.76% | — | Average Daily Balance tier $50,000.00 – $99,999.99. Rates are variable and may vary after opening. |
| $100,000 – $250,000Average Daily Balance tier $100,000.00 – $249,999.99. Rates are variable and may vary after opening. | 1.76% | — | Average Daily Balance tier $100,000.00 – $249,999.99. Rates are variable and may vary after opening. |
| $250,000 – $500,000Average Daily Balance tier $250,000.00 – $499,999.99. Rates are variable and may vary after opening. | 2.02% | — | Average Daily Balance tier $250,000.00 – $499,999.99. Rates are variable and may vary after opening. |
| $500,000 and upAverage Daily Balance tier $500,000.00 and over. Rates are variable and may vary after opening. | 2.02% | — | Average Daily Balance tier $500,000.00 and over. Rates are variable and may vary after opening. |
Sources (3)
- sesloc.org/why-sesloc/about-us/consumer-rates
- sesloc.org/personal/savings/money-market
- sesloc.org/es/why-sesloc/about-us/consumer-rates
All captured Oct 6, 2026
Primary Share Savings
0.49%APY on $10,000
Requires a $5 non-refundable membership fee and a $5 minimum opening deposit to establish and maintain membership.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 3.50% |
| $1,000 – $25,000 | 0.15% |
| $25,000 – $50,000 | 0.15% |
| $50,000 and up | 0.30% |
On $10,000 the tiers blend to about 0.49% APY, earning $49 a year.
Sources (2)
All captured Oct 6, 2026
Secondary Share Savings
0.25%APY on $10,000
No minimum opening balance required to maintain this account.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 0.25% |
| $1,000 – $25,000 | 0.25% |
| $25,000 – $50,000 | 0.25% |
| $50,000 and up | 0.30% |
On $10,000 the tiers blend to about 0.25% APY, earning $25 a year.
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Savings
0.65%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividend rates and APY are variable and may vary after the account is opened.$5 and up | 0.65% | $65 | Dividend rates and APY are variable and may vary after the account is opened. |
Sources (1)
- sesloc.org/why-sesloc/about-us/consumer-rates · captured Oct 6, 2026
Who can join SESLOC Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.