Home Equity Line of Credit (HELOC)

Unlock Your Home's Potential!

Unlock Your Home’s Equity with a Home Equity Line of Credit

You’ve worked hard to build equity in your home. Now it’s time to put it to work.

From February 1, 2026 through May 31, 2026, Security Federal Bank is offering:

  • 5.49% Intro APR for 6 Months 1

  • Rates currently starting at 6.75% APR after intro period 2

  • Up to $750 toward closing costs 3

Whether you’re planning a kitchen remodel, installing a pool for summer, adding that dream patio for family gatherings, or simply wanting access to funds for future projects — a Home Equity Line of Credit (HELOC) can give you the flexibility you need.

What Is a Home Equity Line of Credit (HELOC)?

A HELOC is a revolving line of credit secured by the equity in your home.

Think of it like a credit card — but typically with a lower rate — that allows you to:

  • Borrow only what you need

  • Use funds when you need them

  • Pay interest only on the amount you use

As you repay what you borrow, those funds become available again. It’s flexible. It’s convenient. And it’s designed to move with your goals.

Why Consider a HELOC?

A HELOC can be a smart option if you’re:

✔ Remodeling your kitchen or bathroom
✔ Installing a pool before summer
✔ Building a patio or outdoor living space
✔ Covering college tuition
✔ Consolidating higher-interest debt
✔ Planning for unexpected expenses

Instead of refinancing your entire mortgage, a HELOC lets you tap into your home’s value while keeping your existing loan in place.

Why Choose Security Federal Bank?

We’re not just another lender. We’re your neighbors.

When you work with Security Federal Bank, you’ll receive:

  • Local decision-making

  • Personalized guidance

  • Clear explanations — no confusing jargon

  • A team that genuinely wants what’s best for you

If you’ve been thinking about making improvements or simply want to explore your options, this is the perfect time to have a conversation.

Let’s Talk About What’s Possible

You don’t have to have all the answers — that’s what we’re here for.

Even if you’re just curious about how much equity you may have or whether a HELOC makes sense for you, give us a call or visit your local branch. Let us walk you through your options.

Give Security Federal Bank a chance.
Your home has built value. Let’s help you use it wisely.

 
 

1 The 5.49% introductory annual percentage rate (APR) is effective with HELOC applications taken 2/01/2026 through 5/31/2026 and applies until the first rate change on the first of the month after the first six (6) billing cycles. 

2 The APR after the introductory period is based on the Wall Street Journal prime rate plus a margin. Current rates range from 6.75% to 7.75% as of 1/21/2026 based on loan amount and lien position. After consummation and the introductory period, the APR is variable and can increase. Your index-based APR will never be more than 18.00% or less than 3.25% and can change monthly. Payments are interest only and may result in a balloon payment at maturity. Program is subject to change without notice. Loan approval subject to credit and collateral qualification. Additional limitations may apply.

3 Applies to closing costs associated with a Home Equity Line of Credit (HELOC). Closing costs are typically $700-$1,300 including the appraisal and attorney fees. Property insurance and, if applicable, flood insurance is required. Applications must be received by 5/31/2026 to qualify for the lender credit. 

 
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Competitive Rates
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Flexible Terms
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Anytime Funds
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Local Customer Support
 

What is a Home Equity Line of Credit or a HELOC?

A Home Equity Line of Credit or a HELOC is a line of credit on the existing equity in your home.  The line of credit is revolving, so as principal is repaid, more becomes available for use. A HELOC is a great resource for major home improvements or as an emergency reserve.

How can I use a Home Equity Line of Credit?

Major home improvements
Emergency reserve
And much more
 

                                                      Closing Costs:

                                                           Closing costs are typically $700-$1300 including the appraisal and attorney’s fee. 
 
 
 

Additional Benefits:

  • The existing equity in your home is used as collateral backing
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • The interest paid might be tax deductible1.
  • Set up automatic payments to be deducted from your account monthly
  • Friendly, professional service from start to finish




 1Consult a tax advisor.

Loan approval subject to credit and collateral qualification. Additional limitations may apply.

















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