--- title: "Sesloc Credit Union Rates (Nov 2026): Mortgage 7.13%" description: "Sesloc Credit Union rates today: 30 year fixed mortgage 7.13% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Sesloc Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/sesloc" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Sesloc Credit Union Rates (Nov 2026): Mortgage 7.13% ### Mortgage rates 15 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.134% APR | 7.125% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.250% APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.386% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.392% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.393% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.750% APR | 6.750% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.018% APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.259% APR | 6.250% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.625% APR | 6.625% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.755% APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.763% APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.000% APR | 7.000% | — | Standard | | **Agency 25 Year Fixed** other | 7.021% APR | 7.000% | — | Standard | | **Agency 25 Year Fixed** other | 7.125% APR | 7.125% | — | Standard | | **Agency 25 Year Fixed** other | 7.272% APR | 7.250% | — | Standard | Sesloc Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Sesloc Credit Union offers a 30-year fixed mortgage at 7.134% APR (0.09000003 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/sesloc) , verified from [Sesloc Credit Union's official website](https://www.sesloc.org/) Best product position **Better than the California median** 15-year fixed mortgage Gap to state best **22 bp** 22 bp from state best Vs. state median **36 bp better than median** 15-year fixed mortgage Products ranked **2** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.13% | Better than the California median | 60 bp from state best | 3 bp better than median | | 15-year fixed mortgage | 6.39% | Better than the California median | 22 bp from state best | 36 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Sesloc Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=sesloc&state=california&code=CA&name=Sesloc%20Credit%20Union) Loading branch locator… ## About Sesloc Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 56.4K Assets $1.3B Founded 1942 Locations reported 7 NCUA charter 68741 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Slo** Main Office · San Luis Obispo · CA · 93401-3620 About 3.9 miles away](https://rateapi.dev/credit-unions/california/slo) [**Educational Employees** Paso Robles · Paso Robles · CA · 93446-9604 About 24.4 miles away](https://rateapi.dev/credit-unions/california/educational-employees) [**Santa Barbara Teachers** Santa Barbara Teachers FCU · Santa Maria · CA · 93455-1775 About 24.7 miles away](https://rateapi.dev/credit-unions/california/santa-barbara-teachers) [**Families and Schools Together** Avenal Branch · Avenal · CA · 93204 About 59.8 miles away](https://rateapi.dev/credit-unions/california/families-and-schools-together) [**Safe 1** Taft · Taft · CA · 93268 About 65.1 miles away](https://rateapi.dev/credit-unions/california/safe-1) [**Kinecta** Goleta · Goleta · CA · 93117-2804 About 69.7 miles away](https://rateapi.dev/credit-unions/california/kinecta) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Sesloc Credit Union Membership eligibility from Sesloc Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Sesloc Credit Union's website. Check the membership page below to confirm whether you qualify. - Location san luis obispo, santa barbara, ventura, monterey, santa cruz, tulare, kern, fresno, kings — CA Verified from [Sesloc Credit Union's membership page](https://www.sesloc.org/why-sesloc/about-us/how-to-join-sesloc/) . Final membership determination is always made by the credit union. ## Membership rules for Sesloc Credit Union Geography 9 counties · Family 13 published paths to membership, last verified August 27, 2026, quoted from Sesloc Credit Union’s own published criteria. ### Geography 10 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - CA - Fresno County, CA - Kern County, CA - Kings County, CA - Monterey County, CA - San Luis Obispo County, CA - Santa Barbara County, CA - Santa Cruz County, CA - Tulare County, CA - Ventura County, CA “Eligible central and coastal California counties include: San Luis Obispo, Santa Barbara, Ventura, Monterey, Santa Cruz, Tulare, Kern, Fresno, and Kings.” > [source ↗](https://www.sesloc.org/why-sesloc/about-us/how-to-join-sesloc/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member parent, grandparent, child, grandchild, sibling “You are also eligible if your immediate family member belongs to SESLOC (parent, grandparent, child, grandchild, and siblings, including step-relationships).” > [source ↗](https://www.sesloc.org/why-sesloc/about-us/how-to-join-sesloc/) - Family member (parent, grandparent, child, grandchild, sibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Sesloc Credit Union? Yes No ## Work at Sesloc Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Sesloc Credit Union ranks against California peers. - See which AI assistants fetched Sesloc Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=sesloc&state=california&code=CA&name=Sesloc%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Sesloc Credit Union offer? Sesloc Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Sesloc Credit Union rates updated? RateAPI verifies Sesloc Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Sesloc Credit Union's rate data? Rate data is collected directly from Sesloc Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Sesloc Credit Union's mortgage rate? As of November 12, 2026, Sesloc Credit Union offers a 30-year fixed mortgage at 7.134% APR. ### Who can join Sesloc Credit Union? Sesloc Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 9 counties for Sesloc Credit Union, each quoted from Sesloc Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Sesloc Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.sesloc.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Sesloc Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Sesloc Credit Union curl "https://api.rateapi.dev/credit-unions/california /sesloc " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Sesloc Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/sesloc Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp