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Flexibility with your budget.

Our Flex Card is a great option if you're looking for a way to help control your spending. This debit card is connected to your primary checking account, and you can transfer money to and from the card in Online Banking or Mobile Banking. 


Two-Way Text Alerts are Here.

With First Federal's fraud monitoring, keeping your debit card safe is as easy as sending a text. If we detect suspicious activity on your debit card, we'll send you a text message with details about the transaction. All you have to do is respond to confirm (or deny) the transaction. 

Call Customer Care at 877-499-0572 to sign up or for more info.

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Donald Gwinn
People are talking!

"I've banked with First Federal for at least 25 years. I love the one-on-one relationship I have with the bank."

Donell Gwinn

McAlpin, FL
Scott Moore
People are talking!

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

Scott Moore

Lake City, FL
Dr. Celia Martin

"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


Nick Patel

"First Federal understands our business. They understand they are partners with us. Our relationship is more like a partnership than a banking relationship."

Nick Patel


Community oriented

Over $250,000 given in 2016.

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 FFBF

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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