Extra Cash for Life's Upgrades: 7.00% APR HELOC1

Tap into your Home's Equity | Learn More

Whole-Home Generator Loans as Low as 8.50%2

Keep Your Home Comfortable | Learn More

Manage your accounts from anywhere!

Online Business Banking | Learn More

PErsonalized rewards debit cards

Create your own rewards debit card.

Upload a photo of your favorite vacation spot, your loved ones (human or furry), or a favorite memory and your card will be reviewed, printed, and mailed straight to you.

Modern Home Solutions

Home loans for you.

Our knowledgeable mortgage loan officers are ready to thoroughly evaluate your circumstances and offer expertise to assist you in making the optimal choice. With a range of financing options available, we are here to support you every step of the way.

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!

"We moved to the Lake City area in April and opened an account at your bank. Since that time, Ms. Boyette has helped us every step of the way. She has assisted us with opening our accounts, providing notarization services, and helping us secure better rates for our money market and CD deposits. On occasion, she will also call out of the blue to check on us, which both Bob and I appreciate. She makes us feel like valued customers, and we thought you should know."

Wendi Murray

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 $100,000 given in 2023.

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) The 7.00% Annual Percentage Rate (APR) is a 12-month promotional rate. After 12 months the APR Margin will be based on credit worthiness at that time and range from Prime +0% to Prime +3.5% capped at 18%. As of 5/28/2024 the prime rate is 8.50%. 25 year term with a maximum loan amount of $250,000 on 1st mortgage and $150,000 on 2nd mortgage. 2nd mortgage available on site built homes only.
2)  Loan payment is based on 8.50% interest rate - APR of 9.126% with a credit score of 720+. Example payment of $588.79 is for a $20,000 loan paid over 39 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. To receive the advertised rate, the following requirements must be met: open a personal checking account and sign up for automatic payments. 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 3/1/2024 and is subject to change. See a banker for complete program requirements. Offer ends August 31, 2024.