Visa Rewards Credit Card

NEW LOW RATE AND 20,000 BONUS POINTS | Learn more

Low Personal Loan Rates

Flexible Terms - Fixed Rates | Learn More

Send Money with Zelle

fast and easy | Learn more


CUSTOM ALERTS

Setup custom security alerts for your account 

Smart Alerts are an important feature to help keep your accounts secure.  Choose which notifications you'd like to receive and the best way to receive them.  


save by refinancing or consolidating debt 

Need a loan or to start or refinance your business?  

First Federal's Commercial Team can help your business, during these unusual times. The SBA's 7(a) program has exciting new provisions: SBA fees are waived and up to 3 payments may be made on your behalf.*


FIRST FEDERAL SUPPORTS LOCAL ORGANIZATIONS 

Making an Impact in our Communities

First Federal is proud to have bolstered local communities during 2021 with close to $573,000 in total donations distributed to 294 non-profits. 2022 is on track to donate even more!

READ MORE ABOUT OUR GIVING

A photo of the front of a nondescript house.
Mortgages

Dream Home

Start Here

A young boy peering at a piggy bank
super savers kids

Activities and Coloring Pages

Go Now

A close up of a credit card.
Credit Cards

Get Rewarded

More Info

A group of people enjoying a casual party at night with lights overhead.
Contributions

Get Sponsored

Learn More

People are talking!

"I wanted to take this opportunity to sincerely thank you and your staff for all your efforts in assisting us with the PPP Program. I hope each of you know what a positive impact you have made for so many families in our community."

Lauri Adams

Lake City, FL
People are talking!

"We bank with First Federal because of their reputation, their people, and their outstanding customer service ."

Scott Moore

Lake City, FL
PEOPLE ARE TALKING!

"Our banking relationship with First Federal started in 1999. It's been an absolutely hassle-free, wonderful experience and they're the best group of people to deal with that I have ever dealt with in any sort of banking relationship."

Dr. Celia Martin

LAKE CITY, FL

PEOPLE ARE TALKING!

"[We] are proud to be part of this great bank, the honest truth is………it`s the people who work at the bank [that] make it happen. "

Nick Patel

LAKE CITY, FL

People are talking!

"We've been with the bank 4-6 months and the experience has been highly positive. Dana has always promptly and enthusiastically supported our service requests, and we've always gotten what we needed when we needed it. Both the bank and Dana are doing a great job for us."

Adrian Z. Sedlin

Goleta, CA
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. 

Read More.

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.

Read More.