Visa Credit Cards with Rewards

Personal and Business | Details

Send and Receive Money with Zelle

Fast, Safe and easy | Learn More

Grow Your Savings

Health Savings Account and more | Details

Custom Ink

Personalize your debit card 

Upload your own photo or a favorite image to use as your debit card background!

save by refinancing or consolidating debt 

Need a Business Loan or to Refinance one?  

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.*


Newsweek's Best Small Bank in Florida

Analyzing over 55 different factors, Newsweek announced the best small bank in each state. First Federal Bank was selected as Florida's Best Small Bank for the second year in a row! 


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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

"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



"[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


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 2021.

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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