At a glance
From its website, read 2 Nov 2026Security Federal Bank is a bank or thrift based in Aiken, South Carolina. Its website describes auto loans, home mortgages, personal loans and 1 other loan type. Consumer loan APRs stated on its site range from 5.25% to 6.75%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.securityfederalbank.com |
| Office (official list) | Post Office Box 810, Aiken, SC 29802 |
What their website says about applying
Auto loans are easier when you stay local. Apply ONline or at your local branch today.
sourceApply online or stop by your local branch.
sourcegive us a call or visit your local branch.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 6.75% APR | Rates currently starting at 6.75%APR. | source |
| Loans (general) | Rate stated, not as an APR: see their wording | Current rates range from 6.75% to 7.75% as of 1/21/2026 based on loan amount and lien position. | source |
| Auto / vehicle loans | Rate: from 5.25% APR | 5.25% APR* | source |
| Auto / vehicle loans | Rate: from 5.6% APR | 5.60% APR | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral required
A HELOC is a revolving line of credit secured by the equity in your home.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 763677 |
| Address | Post Office Box 810, Aiken, SC 29802 Directions to the main office (Google Maps) |
| Website | www.securityfederalbank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Service area and loan amounts were not stated on the pages fetched; rates and fees are not loan sizes. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto loans are easier when you stay local. Apply ONline or at your local branch today. | source |
| Home mortgages | — | From first homes to forever homes, Security Federal Bank's local mortgage lenders are ready to help you navigate every stage of homeownership. | source |
| Personal / consumer loans | — | Fulfill your dreams with Security Federal Bank's personalized loan offerings. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | You can use a SBA 504 loan from Security Federal Bank to: | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start the mortgage loan application.
source
Pages read (7)
- https://www.securityfederalbank.com/
- https://www.securityfederalbank.com/personal/loans/auto
- https://www.securityfederalbank.com/resource-center/comparing-small-business-loan-programs-backed-by-the-sba-
- https://www.securityfederalbank.com/mortgage/heloc
- https://www.securityfederalbank.com/personal/loans/boat
- https://www.securityfederalbank.com/personal/personal-loan
- https://www.securityfederalbank.com/personal/cards/credit-card
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.3 million in 14 awards from the U.S. Treasury's CDFI Fund, 2011–2024 (Bank Enterprise Award Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $171,310 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2013 | Bank Enterprise Award Program | $202,387 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2011 | Bank Enterprise Award Program | $205,929 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Security Federal Bank (FDIC cert 31100). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.5 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 19 in 2 states (as of 30 Oct 2026) |
Offices by state and county (19)
South Carolina (15 offices)
- Aiken County (9): 238 Richland Ave W, Aiken 29801 (main office); 1665 Richland Ave, Aiken 29801; 1705 Whiskey Rd, Aiken 29803; 2587 Whiskey Rd, Aiken 29803; 4568 Jefferson Davis Hwy, Clearwater 29842; 50 Canal St, Graniteville 29829; 2812 Augusta Street, Langley 29834; 313 E Martintown Rd, North Augusta 29841; 118 Main St N, Wagener 29164
- Lexington County (2): 5446 Sunset Blvd, Lexington 29072; 1185 Sunset Blvd, West Columbia 29169
- Richland County (3): 1900 Assembly St, Columbia 29201; 9370 Two Notch Rd, Columbia 29223; 1790 Dutch Fork Rd, Irmo 29063
- Saluda County (1): 636 E Main St, Ridge Spring 29129
Georgia (4 offices)
- Columbia County (2): 5133 Washington Rd, Evans 30809; 7004 Evans Town Center Blvd, Evans 30809
- Richmond County (2): 1109 Broad St, Augusta 30901; 1607 Walton Way, Augusta 30904
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Security Federal Bank (RSSD 763677, FDIC cert 31100). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $691.4 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 1.5% from $701.7 million on 30 Jun 2025 |
| Total assets | $1.54 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $176.2 million | 25.5% |
| Home equity lines of credit | $43.8 million | 6.3% |
| Commercial real estate, construction and multifamily | $405.2 million | 58.6% |
| Commercial and industrial (business) loans | $42.6 million | 6.2% |
| Farmland and farm production loans | $688,000 | 0.1% |
| Consumer loans (credit cards, auto, other) | $23 million | 3.3% |
Within consumer loans: auto loans $12.4 million, credit cards $3.9 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 31 loans $1.1 million | 225 loans $5.1 million |
| $100,001 to $250,000 | 57 loans $5.6 million | 47 loans $4.1 million |
| $250,001 to $1 million | 80 loans $26.2 million | 28 loans $7.8 million |
| All small business loans | 168 loans $32.8 million | 300 loans $17.1 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 2 loans $19,000 | none reported |
| $100,001 to $250,000 | 2 loans $318,000 | none reported |
| $250,001 to $500,000 | 1 loan $351,000 | none reported |
| All small farm loans | 5 loans $688,000 | none reported |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Security Federal Bank reported 244 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $74.2M (median loan about $245,000). 166 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 166 | 68% |
| Refinance (incl. 30 cash-out) | 67 | 27% |
| Home improvement | 3 | 1.2% |
| Other purpose | 8 | 3.3% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 223 | 91% |
| FHA-insured | 6 | 2.5% |
| VA-guaranteed | 10 | 4.1% |
| USDA (RHS or FSA) | 5 | 2.0% |
Included above: 4 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 22 counties with at least one; 75% of its 2025 loans were for properties in South Carolina:
- Aiken County, SC (136)
- Richmond County, GA (28)
- Columbia County, GA (24)
- Edgefield County, SC (13)
- Lexington County, SC (13)
- Richland County, SC (9)
- Barnwell County, SC (3)
- Newberry County, SC (3)
Filed under LEI 5493005ES4J6H2VR7264 as “Security Federal Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $317,750 (32 loans) | All 7(a) lenders in South Carolina: $300,000. Larger than the median loan of 79% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.75 pts, the middle half all at 2.75 pts (21 loans; 0% at the SBA maximum) | All lenders in South Carolina: median 2.75 pts, 11% at the maximum (1,876 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 17 → 12 | Rank among the 5 certified CDFIs in South Carolina with SBA approvals in either period: 1 → 1. |
| Total assets (Call Report, 30 Jun 2026) | $1.54 billion | Larger than 90% of the 321 other certified banks and bank holding companies nationwide (median $381.4 million). |
| Loans as a share of assets | 45% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $701.7 million → $691.4 million (-1%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 40 → 49. |
| Home loans originated in 2025 (HMDA) | 244 | More than 73% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 79% |
| Rate over prime | all variable-rate 7(a) loans in South Carolina, FY2024–26 | 1,876 | median 2.75 pts vs 2.75 pts |
| SBA approvals then vs now | certified CDFIs in South Carolina with SBA approvals FY2023–2026 | 4 | rank 1 → 1 of 5 |
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 90% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 40 → 49 of 322 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 73% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 36 SBA-backed approvals for Security Federal Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 32 7(a) loans as the lender: $10.2M in total (gross amount approved), median $317,750
- 4 504 projects as the third-party (first-lien) lender: $2.4M in total (its own third-party loan amount), median $598,325
By fiscal year: FY2020 1 · FY2021 3 · FY2022 3 · FY2023 8 · FY2024 9 · FY2025 7 · FY2026 5.
What actually happened
- Size of its 7(a) loans: half were between $180,075 and $448,200, median $317,750 (32 loans)
- Term of its 7(a) loans: median 120 months (10 years) (32 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 10.25%, half between 9.50% and 10.31% (12 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 0% of its 7(a) loans had a fixed rate (32 loans)
- Young businesses: 62% of its 7(a) loans went to a startup or a business two years old or less (32 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (32, 89%)
- 504 projects (as the third-party lender) (4, 11%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (6)
- Transportation and warehousing (5)
- Health care and social assistance (5)
- Other services (except public administration) (3)
- Professional, scientific, and technical services (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Richmond County, GA (10)
- Aiken County, SC (7)
- Richland County, SC (6)
- Columbia County, GA (4)
- Lexington County, SC (4)
How this lender was matched in the SBA files: FDIC cert 31100, found through the RSSD ID on the CDFI Fund list (SBA lists “Security Federal Bank”); 504 third-party lender name: same name, state and city (SBA lists “Security Federal Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Security Federal Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Aiken and South Carolina
- Security Federal CorporationBank holding company · Aiken, SCAuto / vehicle loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)Verified
- Berkeley Community Federal Credit UnionCredit union · Moncks Corner, SCAuto / vehicle loans, Personal / consumer loansVerified
- Business Development Corp of SCLoan fund · Columbia, SCCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- CLIMB FundLoan fund · Charleston, SCCommercial real estate loans, Microloans, Small-business loansVerified
- Carolina Foothills FCUCredit union · Spartanburg, SCAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- CommunityWorksLoan fund · Greenville, SCCredit-builder loans, Microloans, Small-business loansVerified
Work at Security Federal Bank? Link to this page
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