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Add breathing room to your budget at rates that won’t break the bank. We offer two Mastercard® credit cards to fit your lifestyle.

Key Features

Competitive Rates

Anytime Funds

Local Service

  • Make purchases virtually anywhere across the world
  • Enjoy the local service of your community bank
  • Manage your credit card 24/7 online
  • Two card options available
  • Guide to Benefits

 

Interest Rates and Interest Charges Classic Credit Card Scorecard Credit Card
Annual Percentage Rate (APR) for Purchases 9.99% Fixed Prime Rate + 9.99%
How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by the due date.  We will begin charging interest on cash advances and balance transfers on the transaction date.

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by the due date.  We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge or Payment If you are charged interest, the charge will be no less than $1.50. If you are charged interest, the charge will be no less than $1.50.
APR for Balance Transfers 9.99% Fixed Prime Rate + 9.99%
APR for Cash Advances 9.99% Fixed Prime Rate + 9.99%
Penalty APR and When It Applies N/A N/A

 

Fees Classic Credit Card Scorecard Credit Card
Cash Advance Fee $10.00 or 5.0% of the amount advanced. Maximum fee of $50.00 per advance $10.00 or 5.0% of the amount advanced. Maximum fee of $50.00 per advance
Foreign Transaction Fee Up to 1.1% of the transaction Up to 1.1% of the transaction
Late Payment Fee Up to $25.00 Up to $25.00
Returned Payment Fee Up to $30.00 Up to $30.00
Other Fees N/A N/A
Annual Fee N/A N/A
Balance Transfer Fee N/A N/A
Over-the-Credit-Limit Fee N/A N/A

See your current balance, make payments and more — 24/7! Manage your card online now.

I received a letter stating my card may have been compromised. What does that mean?

Payment card compromises occur when unauthorized individuals gain access to your payment card information. This typically means that your card number, expiration date and PIN may have been manually or electronically captured for the purpose of creating a functional counterfeit payment card.

Does this mean that I have fraud on my account?

No. It only means that your payment card information has potentially been compromised. Your payment card is being replaced as a cautionary measure. We recommend that you review your account and report any suspicious or unauthorized transaction to us immediately. Online banking is a great way to monitor your account activity, and you won’t need to wait for a monthly statement. You may also want to enroll in SMS account alerts so that we can quickly communicate with you in situations like this where time is of the essence. 

I received a call from the Fraud Center at 1-800-417-4592. What does that mean?

This is a call from our debit card fraud center asking you to verify recent activity on your debit card.

 How does Security Federal Bank react to payment card compromise notifications?

Security Federal Bank takes every compromise seriously. In each case, we evaluate the need to reissue new debit/credit cards to affected members, and then take the appropriate action.

How do you know my card was affected?

Security Federal Bank receives notices of potentially compromised payment cards from various sources and tools. We are replacing your payment card to prevent any potential fraudulent usage as a precautionary measure.

What can I do to prevent this from happening again?

No one can predict when their payment card will be compromised. We strongly urge our customers to engage in online and mobile banking practices to increase overall awareness of the available balances in their accounts. If there is ever a transaction you do not recognize, please contact us immediately, and we will be glad to assist you. 

How long will it take for me to receive a new card?

It usually takes 7 to 10 business days to receive a new card. You will also receive a mailer, which will arrive separately from the card, with your new personal identification number (PIN).

What if I have preauthorized debits that are made to my compromised debit card number?

You should contact the merchant(s) immediately upon receipt of your replacement card and provide them with the new card number and expiration date.

There are other signers on my bank accounts. Does this affect their cards too?

Not necessarily, since each member has a unique card number. If their card has also been compromised, they too will receive a similar notification. 

Can this information be used to steal my identity?

The information encoded on your payment card pertains to the card number and expiration date. Confidential information such as social security numbers, checking account numbers, driver’s license numbers, addresses and dates of birth are not stored on the card.