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Choose ONE of the following:

  • Apply securely online by clicking on GO
  • Click on Printable Forms to complete a HELOC / Residential Lot Loan and Credit Report Authorization. Fax to (803) 641-3090. 
  • Speak to a loan specialist by calling 803-641-3000 or toll free1-866-851-3000 during regular business hours. 
  • Visit one of our 15 convenient locations to begin the application process in person.


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 Home Equity Line (HELOC) and Residential Lot Loans(1)

Features Home Equity Line of Credit (2) Residential Lot Loans
APR - Annual percentage rate Varies based on prime (3) Fixed
Closing costs Closing costs vary Closing costs vary
Access directly by check Yes No
Access through checking account Yes No
Minimum monthly payment Interest Only See below (4)
Can be used for overdraft protection Yes No
Credit life insurance available (5) No No
Credit A&H insurance available (5) No No












(1) All loans are subject to approval. Loan officers are available at all of our branches.

(2) A home equity line of credit is secured by your primary residence and can be used to finance home improvements, a car, boat or other major purchase.

(3) The Annual Percentage Rate (APR) for a home equity line of credit is variable based on Prime Rate and is subject to a margin, floor, and caps. Changes in the value of Prime (the 'index') are determined by the highest Prime Rate published daily in the Wall Street Journal Money Rates Table.

(4) Amortization determines the monthly payment for lot loans.

(5) Insurance products are not a deposit product, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may go down in value.


Taylor Berendsen NMLS #501863
Security Federal Bank NMLS #456430
1705 Whiskey Road , Aiken, SC  29803
Office:  (803) 641-3000
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