arXiv:2610.12909v1 Announce Type: new Abstract: Accurate charging load forecasting is essential for the reliability and efficiency of the Internet of Electric Vehicles (IoEV), yet it is challenging on two fronts: charging demand is highly stochastic, and the data collected by distributed sensors is privacy-sensitive. Although federated learning (FL) preserves data privacy, collaborative training still remains vulnerable to an honest-but-curious server that can invert shared model updates to reconstruct private data. To address both data volatility and privacy concerns, we propose SecFD-FL, a frequency-decoupled federated learning framework for IoEV comprising: 1) a dual-stream gated recurrent unit (GRU) network that separately models short-term and long-term charging load volatility, and 2) a lightweight secure aggregation layer for privacy preservation. Specifically, the secure aggregation layer employs a zero-sum additive masking protocol that perturbs each client's upload with high-variance noise, preventing the server from reconstructing private data while preserving the exact aggregate. Extensive experiments have been conducted on both EV-level and charging station-level using real datasets. The experiment results show that SecFD-FL reduces global RMSE by up to 60% over centralized baselines, achieving Jain's fairness up to 0.991 across clients, and reduces DLG-attack reconstruction correlation by 8 times to 15 times relative to FedAvg -- all with no additional per-round communication cost beyond a one-time key exchange.