¹ APYs accurate as of 11/1/22. Determination of Rate: The interest rate paid each month will be a single interest rate on the entire balance based on the daily balance during the prior month as illustrated in the Premium/High Yield Table. If, however, the account satisfied the criteria for an earned reward benefit during the prior month, the interest rate and APY would be more favorable. If the reward is earned, the Premium/High Yield Table does not apply. Instead, the Bank will pay an interest rate of 1.24% on any portion of the daily balance that is less than $10,000. The corresponding APY on the portion would be 1.25%. Additionally, the Bank will pay an interest rate of .25% on any portion of the daily balance that is greater than or equal to $10,000. Whenever account balances are greater than or equal to $10,000, the blended APY on the entire balance would vary from 1.25% to 0.34%, depending on the daily balance. Frequency of Rate Change: The bank may change the interest rate on your account at any time. Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. 

² Qualification Information: To receive the earned reward benefit in any month, the following criteria must have been satisfied during the month immediately prior: At least one ACH debit or credit must have posted and settled, At least twelve debit card transactions must have posted and settled, and the accountholder must have elected electronic statements in lieu of paper statements. Transactions and activities may take one or more business days from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning reward: ATM-process transaction, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, purchases made with a debit card not associated with the account, and bill payments made through Security Federal Bank’s online banking. Transactions bundled together by merchants and received by our institution as a single transaction count as one transaction for the purpose of earning account rewards. 

³ You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are accrued for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.  

⁴ Subject to the terms and conditions detailed in the Guide to Benefits found in the SFB Perks App.

⁵ Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

⁶ Billshark, identity monitoring, and credit monitoring each require additional activation to begin.

⁷ These reimbursements will be treated as interest for IRS (Form 1099-INT) reporting purposes. If qualifications are not met during the Statement Cycle, nationwide ATM fees are not reimbursed.