The following rates are effective for the week of:
November 03, 2025, through November 09, 2025. Rates are updated by 10 am on the first business day of each week.
Account Rates
At Security Federal Bank, we offer competitive savings account rates to help you grow your savings effectively. Alongside our competitive savings rates, we provide high-yield checking account rates and certificate of deposit rates designed to meet your financial goals.
Competitive Rates
Online Banking
Tiered Rates
Premium/High Yield Checking
Earn 1.25% Annual Percentage Yield (APY) on the portion of the balance that is less than $10,000 in your account and 0.25%APY on any portion of the daily balance that is greater than or equal to $10,000 when qualifications are met. When qualifications are not met, the interest rate paid each month will be a single interest rate on the entire balance based on the daily balance during the prior month as illustrated in the table below.
| Tier | Annual Percentage Yield (APY) |
|---|---|
| Below $2,500 | 0.05% |
| $2,500 - $9,999.99 | 0.25% |
| $10,000 - $24,999.99 | 0.40% |
| $25,000 + | 0.50% |
Annual Percentage Yields (APY) are subject to change after account opening. The minimum to open a High Yield account is $2,500. High Yield Accounts that fall below $2,500 will be charged $12.00 per month. Fees may lower earnings on the account. Premium Accounts that fall below $5,000 will be charged $15.00 per month. Fees may lower earnings on the account.
Certificate of Deposit
Rate information about CD specials can be found at the link below.
| Term | Annual Percentage Yield (APY) |
|---|---|
| 3 Months | 2.00% |
| 6 Months | 3.75%* |
| 9 Months | 3.75%* |
| 11 Months | 2.65% |
| 12 Months | 2.65% |
| 15 Months | 2.65% |
| 18 Months | 2.65% |
| 24 Months | 2.65% |
| 30 Months | 2.65% |
| 36 Months | 2.65% |
| 48 Months | 2.65% |
| 60 Months | 2.75% |
*Rates available for New and Existing Checking Account customers with Direct Deposit.
The minimum to open a Certificate of Deposit is $500. The APY assumes interest remains on deposit until maturity. A penalty will be assessed for early withdrawal.
Money Market
Learn More
| Tier | Annual Percentage Yield (APY) |
|---|---|
| $0 - $4,999.99 | 0.50% |
| $5,000 - $9,999.99 | 0.50% |
| $10,000 - $49,999.99 | 0.90% |
| $50,000 - $99,999.99 | 1.55% |
| $100,000 + | 2.55% |
Annual Percentage Yields (APY) are subject to change after account opening. The minimum to open an account is $1,500. Accounts that fall below the $1,500 will be charged $7.00 per month. Fees may lower earnings on the account.
Personal Savings Accounts
| Account | Minimum Balance to Open | Interest Paid on | Annual Percentage Yield (APY) |
|---|---|---|---|
| Christmas Club | $5 | Entire Balance | 0.35% |
| Super Savings (for children 12 and under) | $5 | Entire Balance | 0.35% |
| Regular Savings | $100 | Balances of $100 + | 0.50% |
| Young Savers (for ages 12-17) | $10 | Entire Balance | 0.40% |
Health Savings Accounts
| Tier | Annual Percentage Yield (APY) |
|---|---|
| $0 - $2,499 | 0.05% |
| $2,500 - $9,999 | 0.35% |
| $10,000 - $24,999 | 0.45% |
| $25,000 + | 0.55% |
Annual Percentage Yields (APY) are subject to change after account opening. The minimum to open an account is $100.
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