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Buying a vehicle can be daunting. Let us walk you through the process.

Key Features

  • Competitive Rates
  • Flexible Terms
  • Competitive, fixed rates on new or used vehicles
    • Rates as low as 2.75% APR1
  • A wide range of terms customized to your unique situation
  • Pre-qualification available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Local decision-making and processing
  • Friendly, professional service from start to finish


12.75% APR is for qualified applicants purchasing an auto, 2021 model or newer, with an automatic draft from a Security Federal Bank checking account, a credit score greater than 760, and up to a 36-month term.  All loans subject to approval and rate may vary based on credit score and repayment term.  Down payment may be waived for qualified applicants purchasing new automobiles.  Rates subject to change.