Checking / Savings / CD's


 

Checking Accounts*

Checking is your fundamental financial tool.  It not only gives you the ability to use your money the way you want, it forms the basis for all your banking accounts and services.
Our checking plans have been specifically designed to provide meaningful features and outstanding value.  All our plans provide you with the security of FDIC deposit insurance and the convenience of 24-hour banking, along with an easy-to-read monthly statement.  We now offer a toll free number for account access at all times and on-line banking to meet all your needs from account transfers to bill pay.
 
Free Checking*
• $25 Opening Deposit
  • No service charges
  • No minimum balance requirements
  • Unlimited check writing
  • No charge for check safekeeping
  • First 50 checks free
  • $400 Overdraft Privilege
  • No charge for Debit/ATM Card
 
Basic Checking*
• $100 Opening Deposit
  • Unlimited check writing
  • Immediate credit for deposits
  • First 50 checks free
• No service charge if monthly balance stays above  
     $100
  • $700 Overdraft Privilege
  • No charge for Debit/ATM Card
 
Security Club Checking*  
  • $100 Opening Deposit
  • No minimum balance requirements
  • Unlimited check writing
  • Immediate credit for deposits
  • Personalized checks free of charge
  • $10,000 Accidental Death Insurance**
  • Travel & entertainment discounts
  • Credit Card Registration & Lost Key Return
  • Medical I.D. Card
  • Household Inventory Log
  • Free Notary Service
  • Cashier Checks at no issuance fee
  • $700 Overdraft Privilege
  • No charge for Debit/ATM Card
  • $7.00 per month service charge
 
Security Club Gold*  
  • $100 Opening Deposit
  • No minimum balance requirement
  • Unlimited check writing
  • Immediate credit for deposit
  • Personalized checks free of charge
  • $20,000 Accidental Death Insurance**
  • Travel & entertainment discounts
  • Custom Trip Routing Service
  • Local Pharmacy Discount Card
  • KidCare Child ID Program
  • Local Merchant Discount Card
  • Credit Card Registration & Lost Key Return
  • One signature Travelers Checks & Cashier Checks 
     at no issuance fee
  • Medical I.D. Card
  • Household Inventory Log
  • Auto Emergency Log
  • Free Notary Service
  • Free 3X5 safety deposit box for one year
  • No charge for Debit/ATM Card
  • $9.00 per month service charge
 
Senior Citizens*  
  • No minimum balance
  • Free Senior checks
  • No charge for Debit/ATM Card
  • No service charge
 
NOW Account*  
  • $500 Opening Deposit
  • Unlimited check writing
  • Immediate credit for deposits
  • Individuals and sole proprietorships only
  • Monthly balance below $500, $8.00 service charge
 
Small Business*  
  • $500 Opening Deposit
  • Write up to 40 checks per month
  • No analysis charges
  • No maintenance charge if balance stays above $1000
  • If balance falls below $1000, a $7.00 service charge is 
     applied monthly
 
Business*  
  • $1000 Opening Deposit
  • Write up to 75 checks per month
  • No analysis charges
  • Immediate credit for deposit
  • No maintenance charge if average balance stays
     above $1000
  • Monthly balance below $1000, $10.00 Service charge
     monthly
 

Savings Accounts*

At Security Federal, we offer a complete range of Certificates of Deposit and Savings Accounts, and you will find our rates to be consistently among the most competitive in this area.  One of our Customer Service Representatives will be happy to tell you about any of our current rates.
 

Regular Savings*

 
  • $10.00 Opening Deposit
  Eighteen withdrawals per quarter at no charge
  • $.75 per withdrawal over eighteen
  • Unlimited ATM withdrawals
  • Interest posted quarterly
  • ATM Card at no charge
 

Christmas Club*

 
  • $10.00 Opening Deposit
  • $1.00 per withdrawal
  • Check mailed in October/November
  • No ATM Card available on this account
 

MMDA*

 
  • $1,000 Opening Deposit
  • 3 checks and 3 pre-authorized electronic withdrawals per month
  • $15.00 service charge if balance falls below $1000, or if you exceed over the check writing limit, there is a $10.00 service charge per check
  • Unlimited in-house account transfers
 

IRAs and CDs*

 
  • Please see a Customer Service representative for
     current terms and rate information.
 
 
                    *Subject to Credit Approval
                    **Accidental Death Insurance is
  • Not a Deposit
  • Not FDIC Insured
  • Not Insured by any Federal Government Agency
  • Not Guaranteed by the Bank
  • May go down in value (only if there is an investment
     component)
 
 

 
 
 

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