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Application Downloads

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New Account Application* (PDF)
Reconciliation Form* (PDF)

*To view these files, you must have the Adobe© Acrobat Reader©, which you may download here for free.

Credit Cards

Three Great VISA Programs For Our Customers Only!

Contact us directly for an application!

Check & Redeem Scorecard Reward Points

Information Resources

*Annual Percentage Rate

Program Benefits

  1. A Hometown Card With World Wide Acceptance.
  2. Great rates. These card programs are among the best values in the industry.
  3. The ability to make your credit card payments locally at any of our four convenient offices.
  4. No telemarketing. We have always guarded your privacy and always will.
  5. Great hometown service. If you ever have a problem, just give us a call.

Our VISA Platinum No Fee Card with 8.9% APR Rate

This program does not have a Scorecard Reward program, but may provide better value depending on your usage.  

Program Feature Visa Platinum without Scorecard Rewards
APR 8.9%
Minimum Finance Charge $0.50
Annual Fee $0.00
Grace Period 25 Days on Purchases, None on Cash Advances
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Late Charge $19.00
Cash Advance Fee 2.5% with $3.00 Minimum & $10.00 Maximum

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Our VISA Platinum Scorecard Rewards Program

You will continue to earn points with each purchase redeemable for airline tickets or other great gifts.  

Program Feature Visa Platinum with Scorecard Rewards
APR 9.9%
Minimum Finance Charge $0.50
Annual Fee $28.00
Grace Period 25 Days on Purchases, None on Cash Advances
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Late Charge $19.00
Cash Advance Fee 2.5% with $3.00 Minimum & $10.00 Maximum

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Our VISA Classic No Fee Card with 14.88% APR Rate

This program does not have a Scorecard Reward program and is for those with credit limits of less than $2,000. It is great for students or those starting out in life.  

Program Feature Visa Classic
APR 14.88%
Minimum Finance Charge $0.50
Annual Fee $0.00
Grace Period 25 Days on Purchases, None on Cash Advances
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Late Charge $19.00
Cash Advance Fee 2.5% with $3.00 Minimum & $10.00 Maximum

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Verified By Visa  

Your Visa card is now protected by Verified by Visa ó it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction. Your card will then have password protection whenever you shop online at participating stores.

Click here to enroll in Verified by Visa.  

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Travel Free with Security Platinum VISA Card With Scorecard Rewards

Security First Bank is offering a VISA Platinum card that allows you to earn airline miles and other valuable rewards. With the Security Platinum VISA Scorecard Rewards Card, you can earn one mile for every dollar you spend. And just like other credit cards linked to airline frequent flyer programs, you can fly round trip free with just 36,000 Security Platinum Reward miles.

And better yet, unlike other programs linked to an airline programs, your Security Platinum Scorecard Reward miles are good on more than one airline, and unlike regular airline reward miles, Security Platinum Scorecard Reward miles have almost no block out dates, and no limits on how many seats are available for reward miles on each flight. You can use Security Scorecard Reward miles to go when you want, and where you want.

And even more, if you arenít a flyer, you can use your Security Scorecard Reward miles for great gifts and merchandise, like a TV or set of golf clubs. And, you can begin to redeem free gifts with a few as 2,000 points. You can even use your Security Reward Scorecard miles to go on a Caribbean cruise!

Better yet, your Security VISA Scorecard Rewards card comes with a rate of 9.9% APR*, and an annual fee that is a real bargain compared to what other credit cards with airline miles charge. The annual fee is only $28.00 Ė compare that to competing programs that arenít nearly as good, and that have annual fees ranging from $50.00 to $90.00 and up.

Plus, with your Security VISA Scorecard Rewards card, youíll get great hometown service. Your credit card application is processed right here at home, and your credit limits are set right here by people you know and trust. You can even make your payments in any of Security Firstís convenient local locations. And, if you lose your card or have disputed charge, no problem, stop in at a Security First Bank office and they will help you.

So whatís the catch? There is none. You only have to be a customer of Security First Bank, with approved credit, and maintain a qualifying account. This credit card program is so good, they had to limit it somehow!

Finally, a hometown card with a rewards program you can really use, and a credit card with a great rate and true worldwide acceptance. This is just another one of the great personalized services Security First Bank offers. Stop in and bank with your neighbor, where you are more than just a number. Stop in today for a neighborly cup of coffee and see all the great banking values Security First Bank offers. Youíll be glad you did.

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Even Better: 8.9% APR* And No Annual Fee

If you are looking for a VISA Credit Card with great rates, no annual fee and convenient local service, look no further. Security First VISA card comes with a rate of 8.9% APR* and no annual fee. Thatís right, 8.9% APR* and no annual fee.

If you donít travel much, but are looking for a great rate and a card with no annual fee, the Security VISA is the card for you.

Plus, with your Security VISA card, youíll get the same great hometown service as our Platinum Rewards Card. Your credit card application is processed right here at home, your credit limits are set right here by people you know and trust. And you can make your payments in any of Security Firstís convenient local locations. If you lose your card or have disputed charge, no problem, stop in at a Security First Bank office and they will help you. You only have to be a customer of Security First Bank, with approved credit, and maintain a qualifying account.

Finally, a hometown card with a great rate, no annual fee, and worldwide acceptance. Stop at Security First Bank and talk to one of our personal bankers about your Security Platinum Visa today.

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Look To Your Local Bank For A Credit Card

You probably receive dozens of solicitations in the mail every month for credit cards. There are all kinds of cards. There are credit cards with nice pictures on them, ones that require full payment every month, and ones that lend you money at a low interest rate for a few months but switch to a higher rate after you've used the card for a while. There also are credit cards that reward you with airline frequent flyer miles or very small amounts of cash back at the end of the year.

Credit cards are a necessity in today's economy. You can't stay in a hotel or rent a car without a credit card. And try to buy something over the Internet without a credit card. It's nearly impossible. Plus credit cards offer a lot of convenience when traveling. No longer do travelers need travelers' checks, or excessive sums of cash.

With all the aggressive marketing by big, national credit card companies, however, some people get caught up in a dangerous trap. Because of the ease of obtaining and using credit cards, they buy frivolously. Cards get maxed-out and then even the minimum payment seems unmanageable. Things can really get bad for people who obtain new credit cards in order to pay off debt on old ones.

Many of the big credit card companies are to blame for encouraging people to get themselves into trouble. Many do a poor job of explaining exactly how their card works. Consider the example of a company that offers a credit card that charges a low introductory rate of interest, and then ups the rate after a few months. Often when a customer of this kind of card makes a payment, the money is first applied to the portion of debt subject to the lower rate of interest. This means the portion of debt subject to the higher rate of interest continues to pile up. Worse, if a payments is a day late, the rate can more than double.

It can be especially frustrating for a customer to get an answer from some of the big credit card companies. Calling the toll-free number generally results in reaching an automated system that doesn't always have the answers needed.

The best answer for most people is to obtain a credit card from a local bank Ė like Security First Bank. Why bother with the big, impersonal credit card companies, when Security First Bank offers a better product without any of the hassle? We won't mislead you about how interest is charged or applied to your account. If you have a question, you can always reach a live person when you call us. Better yet, you can actually come into the bank and talk to a personal banker. If you find yourself having debt problems, we can help you work through them. We won't try to sell you another product that only makes your situation worse.

Credit cards are a valuable tool in today's world. Match that up with your local community bank Ė Security First Bank - and you have a powerful combination working for you.

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For More Information Contact Us today!

We sincerely do appreciate your business!!

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