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Keep Your Home Comfortable

new hvac system or whole-house generator loans as low as 9.57%1 | Learn More

Tellers available 7AM -7PM at our ITMs

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6.95%2 Auto Loans Available Today

New or used, get on the road with an auto loan. Car, truck, SUV, van- however you choose to get from point A to point B, we've got a loan that can get you there.

Home and Condo Owner's Associations

Tailored banking solutions for HOA's and COA's  

First Federal Bank has banking solutions for HOAs and COAs who need banking services designed for unique needs. With specialized HOA banking services, knowledgeable staff, and convenient 24/7 digital and mobile banking, FFB is the top choice for Associations. 

Business Credit cards 

Rewards Credit Cards for your Business

Whether you need to furnish an office or hit the ground running with new laptops, our business credit card accounts are quick to set-up, easy to use, affordable, and secure.

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Dream Home

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advanced banking

Business Checking Accounts

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Credit Cards

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consumer loans

Low Auto Loan Rates

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People are talking!

"My relationship with First Federal Bank began when I started my business 7 years ago. I knew they had always supported local charities and organizations, so I chose them as the bank I would use. I have been delighted with that choice and would not change a thing!"

Joey Knapp

Lake City, FL
People are talking!

"My family has always received great service and have enjoyed banking with first federal for years."

Irene Carrillo

Lake City, FL

"As a business owner for over 15 years one of the most important decisions is choosing the bank to partner with. For me that was First Federal. Incredible customer service. They took care of all of our banking needs so that we could focus on the day to day of our business. Such dedication and commitment!"

Kathy McGhin

Live Oak, FL


"The staff is always so friendly and helpful anytime I have questions! They have gone above and beyond to make sure my banking needs are met, I never feel like just another customer! Highly Recommend!"

Tanya Langford

Panama City beach, FL

People are talking!

"The team was an amazing asset for us while progressing through our home loan process. She would conduct weekly check-in's and provide us up to date information as we neared the closing date. Highly recommend First Federal Bank as your first choice when in need of home financing."

Harry White

Jacksonville, FL
Community oriented

Over $250,000 given in 2022.

Our foundation is helping our neighbors and communities thrive. That's why we're always focused on doing what we can to support education, build strong families, support affordable housing, and help those less fortunate. 

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Our Story

The History of FFB

In 1962, a group of businessmen in a small town in North Florida united together to form First Federal Savings and Loan Association of Live Oak, as a way to provide home loans and savings accounts to their neighbors. We owe them everything.

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1) Loan payment is based on 9.57% interest rate - APR of 10.074% with a credit score of 680-719. Example payment of $478.89 is for a $20,000 loan paid over 51 months. Closing costs including doc stamps, UCC filing fee and application fee up to $326.00 and must be paid in cash at closing. In example, total amount financed is $19,801 with closing costs of $326.00. Loan approval is subject to credit underwriting and approval. Rates and lending terms may vary depending on your financial condition and credit history. Rate was updated on 9/25/2023 and is subject to change. See a banker for complete program requirements.

2) Subject to credit approval. The APR is 7.118% based on loan amount of $50,000, with a term of 63 months, and an interest rate of 6.95%, payments are approximately $949.69 a month. APR calculation is based on variables such as loan amount, loan term, and finance charges. Standard finance charges and fees apply. In example, total amount financed is $49,801 with closing costs of $377.00. Minimum loan amount is $5,000. Maximum loan amount is $75,000.  Loan approval is subject to credit underwriting and approval. Rate valid until 12/31/2023.