Security Federal Bank Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Security Federal Bank's Certificate of Deposit 6-Month rates are at 3.75%, Certificate of Deposit 9-Month rates are at 3.75%, Certificate of Deposit 60-Month rates are at 2.75%, Certificate of Deposit 30-Month rates are at 2.65%, Certificate of Deposit 36-Month rates are at 2.65%. Security Federal Bank's savings rates are at 0.05%. Security Federal Bank's money market rates are at 0.05%.
Rate Updates and AvailabilitySecurity 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. Security Federal Bank Texas RatioSecurity Federal Bank's Texas Ratio is at 7.19%, which is considered excellent. The Texas Ratio for Security Federal Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Security Federal Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Security Federal Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Security Federal Bank CD Rates
Security Federal Bank Savings Rates
Security Federal Bank Money Market Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewSecurity Federal Bank
238 Richland Ave WAiken, SC 29801 Aiken Established Date: 01/01/1922 FDIC Certificate #: 31100 Date of FDIC Deposit Insurance: 09/14/1959 Bank Holding Company: SECURITY FEDERAL CORP How Many Domestic U.S. Offices? 19 How Many Branches are There? 19 Website: https://www.securityfederalbank.com
Is Security Federal Bank FDIC Insured? Yes
What is Security Federal Bank's Cert number? 31100
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$1,455,108,000
Total Deposits:
$1,231,924,000
Equity Capital:
$118,835,000
Net Income:
$1,564,000
Return on Assets (ROA):
0.5972%
Return on Equity (ROE):
7.8300%
Headquarters:
Aiken
Regulator:
FDIC
# of Offices:
19
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About Security Federal BankHow do I open an account at Security Federal Bank?You can typically open an account at Security Federal Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Security Federal Bank provides a range of mortgage and home equity products. Is Security Federal Bank a safe place to deposit money?Yes, Security Federal Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Security Federal Bank offer online and mobile banking?Most modern institutions like Security Federal Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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