Overview / Commentary
1220 Osos Street
San Luis Obispo, CA 93401

SLO Credit Union is headquartered in San Luis Obispo and is the 227th largest credit union in the state of California. It is also the 2,790th largest credit union in the nation. It was established in 1953 and as of September of 2018, it had grown to 5 employees and 1,788 members at 1 location. SLO Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of San Luis Obispo County or have headquarters in the city of Santa Maria, employees and retirees of Union Oil Company and its subsidiaries, those who live, work, attend school or worship in San Luis Obispo County and members of California State Employees Association in San Luis Obispo, Santa Barbara, Monterey, and San Benito Counties.
See current membership details

Reviews (1)

Fair Equitable Professional

I have been a SLOCU member for more than 25 years, and have had deposit accounts and loans, auto and personal, in that time.
Their personnel have always been friendly but efficient whenever I go into the office. Today, I received in the mail a check from my deposit account, the day after I asked them to mail it. I saved time and gas driving into SLO this way. I am giving them five stars on everything because I am extremely happy with them. I joined as a SLO County employee, and remain a member after I retired.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. SLO Credit Union has a low asset base.

Health Grade Components

NCUA #61779
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-0.14%
Return on Equity - YTD-0.93%
Annual Interest Income$552.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$32.8MM$32.8MM
LoansQ3 2018vs Q3 2017$4.0MM$3.0MM
DepositsQ3 2018vs Q3 2017$27.8MM$27.4MM
Equity CapitalQ3 2018vs Q3 2017$4.9MM$5.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$11.00K$13.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$12.00K$0
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SLO Credit Union Savings Account Rates

0.15%*$20k*-Regular Savings
OTHER TIERS: 0.10% $100 - $20k

SLO Credit Union CD Rates

1.26%*$100k*-24 Month CD
OTHER TIERS: 1.11% $1k - $100k
0.65%*$100k*-12 Month CD
OTHER TIERS: 0.55% $1k - $50k | 0.60% $50k - $100k
0.55%*$100k*-6 Month CD
OTHER TIERS: 0.50% $1k - $100k

SLO Credit Union IRA Rates

1.26%*$100k*-24 Month IRA
OTHER TIERS: 1.11% $1k - $100k
0.65%*$100k*-12 Month IRA
OTHER TIERS: 0.55% $1k - $50k | 0.60% $50k - $100k
0.55%*$100k*-6 Month IRA
OTHER TIERS: 0.50% $1k - $100k

SLO Credit Union Locations
Branch Office1220 Osos StSan Luis Obispo, CA 93401-3620

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