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Security Federal Bank

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Security Federal Bank Rates & Review October 2026

Q: How many branches does Security Federal Bank operate?

Security Federal Bank currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Security Federal Bank 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, Security Federal Bank 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

Security Federal Bank's top rates as of October 14, 2026 are 4.00% APY on its 6-Month CD Rate Special, and 4.00% APY on checking, according to rates verified by MonitorBankRates. Other Security Federal Bank CD rates include 9-Month CD Rate Special at 4.00%. MonitorBankRates evaluates the financial stability of Security Federal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.39%. Rates last updated and verified on 10/14/2026.

Security Federal Bank 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 Security Federal Bank? Share your experience about Security Federal Bank by leaving a review below, or read customer reviews before you decide to use Security Federal Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.39%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Security Federal Bank

238 Richland Ave W
Aiken, SC 29801

https://www.securityfederalbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Security Federal Bank CD Rates

Product	Rate	APY	Term
6 Month CD Rate Special	-	4.00%	6 month
Min Deposit $500 Details CD Rate Special; Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit; APY accurate as of 09/21/2026; early withdrawal penalty varies from 3 to 18 months interest; Stop by a local Security Federal Bank branch to open a CD Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
9 Month CD Rate Special	-	4.00%	9 month
Min Deposit $500 Details CD Rate Special; Rates available for new checking account customers with Direct Deposit or established checking account customers with Direct Deposit; APY accurate as of 09/21/2026; early withdrawal penalty varies from 3 to 18 months interest; Stop by a local Security Federal Bank branch to open a CD Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

Security Federal Bank Checking Rates

Product	Rate	APY
High Yield Checking	3.93%	4.00%
Min Deposit $1,000 Details Qualifications Required: eStatements instead of paper statements; 12 or more debit card purchases in preceding month; at least one monthly ACH debit or credit; Balance: portion of daily balance under $10,000; Qualifies only when reward criteria are met; $12 waivable monthly fee (waived with $1,000 daily minimum balance); Qualify for ATM Fee Refunds; Only one account of this type may be opened per social security number Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Premium Checking	3.93%	4.00%
Min Deposit $2,500 Details Qualifications Required: eStatements instead of paper statements; 12 or more debit card purchases in preceding month; at least one monthly ACH debit or credit; Balance: portion of daily balance under $10,000; Qualifies only when reward criteria are met; $15 waivable monthly fee (waived with $2,500 daily minimum balance); $1,200 cell phone protection per year; Only one account of this type may be opened per social security number Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Security Federal Bank’s Texas Ratio fell from 7.11% in Q3 2023 to 4.39% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.5B	4.39%	5.0	A+
March 31, 2026	$1.6B	4.19%	5.0	A+
December 31, 2025	$1.6B	4.53%	5.0	A+
September 30, 2025	$1.5B	4.59%	5.0	A+
June 30, 2025	$1.6B	4.75%	5.0	A+
March 31, 2025	$1.5B	5.86%	5.0	A+
December 31, 2024	$1.5B	6.66%	5.0	A
September 30, 2024	$1.5B	5.90%	5.0	A+
June 30, 2024	$1.5B	6.66%	5.0	A
March 31, 2024	$1.5B	6.38%	5.0	A
December 31, 2023	$1.5B	6.68%	5.0	A
September 30, 2023	$1.4B	7.11%	5.0	A

Source: FDIC 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 Security Federal Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Security Federal Bank 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 Security Federal Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Security Federal Bank

Website https://www.securityfederalbank.com

Address 238 Richland Ave W, Aiken, SC 29801 · Aiken

Bank Holding Company SECURITY FEDERAL CORP

FDIC Certificate # 31100

Regulator FDIC

Established January 1, 1922

FDIC Insurance Date August 9, 1989

Domestic Offices 19

Total Branches 19

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.39%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8637%

Return on Equity (ROE)

9.0800%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

$1,539,653,000

Total Deposits

$1,361,491,000

Equity Capital

$151,309,000

Net Income

$6,699,000

Headquarters

Aiken

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Security Federal Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/security-federal-bank-rates-review-31100">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Security Federal Bank

How many branches does Security Federal Bank operate?

Security Federal Bank currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Security Federal Bank 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, Security Federal Bank provides members with tools to manage their accounts and build a solid financial history.

Does Security Federal Bank offer online and mobile banking?

Most modern institutions like Security Federal Bank 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: https://www.securityfederalbank.com.