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Last $20.00 USD
Change Today 0.00 / 0.00%
Volume 0.0
SFDL On Other Exchanges
As of 8:10 PM 11/24/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

238 Richland Avenue West

Aiken, SC 29801

United States

Phone: 803-641-3000


Security Federal Corporation operates as the holding company for Security Federal Bank that provides various banking products and services. The company serves the counties of Aiken, Richland, and Lexington, South Carolina, and Columbia County, Georgia through its 13 full service branch offices located in Aiken, North Augusta, Graniteville, Langley, Clearwater, Wagener, Lexington, Columbia, and West Columbia, South Carolina, and a branch office in Columbia County, Evans, Georgia. The company operates Security Federal Trust and Investments, as a division of the bank that offers trust, financial planning, and financial management services. The bank has a wholly owned subsidiary, Security Federal Insurance, Inc., which is an insurance agency subsidiary that offers auto, business, life, and home insurance. Security Federal Insurance also has a wholly owned subsidiary, Collier Jennings Financial Corporation, which has three wholly owned subsidiaries: Security Federal Auto Insurance, The Auto Insurance Store Inc., and Security Federal Premium Pay Plans Inc. Security Federal Premium Pay Plans Inc. has one wholly owned insurance premium finance subsidiary and also has an ownership interest in four other insurance premium finance subsidiaries. Lending Activities The company’s principal lending activities are making loans on commercial real estate and one-to-four family residential real estate. The company originates fixed rate residential real estate loans for sale in the secondary market and adjustable rate mortgage loans to be held in its portfolio. The company also originates construction loans on single family residences, multi-family dwellings and commercial real estate, and loans for the acquisition, development and construction of residential subdivisions and commercial projects. To a lesser extent, it originates consumer loans and commercial business loans. Permanent Residential Mortgage Lending: The company offers various ARMs, which offer adjustable rates of interest, payments, loan balances or terms to maturity, which vary according to specified indices. Its ARMs have a loan term of 15 to 30 years with initial rate adjustments every 1, 3, 5, or 7 years during the term of the loan. The company restricts its residential lending to South Carolina and the nearby Augusta, Georgia market. The company also provides construction financing for single family dwellings to owner-occupants. Construction loans are made for periods of six months to one year with either adjustable or fixed rates. On construction loans offered to individuals (non-builders), the company offers a construction/permanent loan. Commercial Real Estate, Commercial Business, and Multi-Family Loans: The commercial business loans originated by the company are primarily secured by business equipment, furniture and fixtures, inventory and receivables, or are unsecured. The commercial real estate loans originated by the company are primarily secured by non-residential commercial properties, churches, hotels, residential developments, single family construction loans to builders for speculative or pre-sold homes, lot loans to builders, income property developments, and undeveloped land. The multi-family loans originated by the company are primarily secured by commercial residential properties, including apartment complexes, condominiums or townhouses, and loans for the acquisition and development of, or improvements to multi-family residential properties. Loans secured by commercial real estate are written for amortization terms of 10 to 20 years. Commercial loans not secured by real estate are based on terms of 3 to 60 months. Consumer Loans: The company originates consumer loans for any personal, family, or household purpose, including financing home improvements, loans to individuals for residential lots for a future home, automobiles, boats, mobile homes, recreational vehicles, and education. The company also makes consumer first and second mortgage loans secured by residences. In addition, the company offers home equity lines of credit. Home equity loans are secured by mortgage liens on the borrower's principal or second residence. T

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