Certificate of Deposit (CDs)

Save smart with a CD. Just choose your term to start earning rates above standard savings.

Take Advantage of our CD Rate Specials:  6, 9, 11, 12, 15 and 18 month at 5.00% APY* 


  • CD Rate Specials Going on Now!
    • 5.00% APY* for 6, 9, 11, 12, 15 and 18 month CD
    • *Annual Percentage Yield (APY) is accurate as of 4/22/2024 and is subject to change. Rates available for New and Existing Checking Account customers with Direct Deposit. The minimum to open a CD is $500. The APY assumes interest remains on deposit until maturity. A penalty will be assessed for early withdrawal. Fees may reduce earnings.
  • Fixed rates, higher than regular savings
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • No setup or monthly service charges
  • Early withdrawals subject to penalty1
  • Renews automatically upon maturity after 10-day grace period
  • Minimum Deposit to Open - $500
Stop by a local Security Federal Bank branch to open a CD.  A list and map of all our branches can be found here.

1Early withdrawal penalty varies from 3 to 18 months interest on the amount withdrawn depending on the term of the CD.

Account openings and credit are subject to bank approval.