Mother and daughter baking in a newly remodeled kitchen.

home equity line of credit

More Counter Space Means More Holiday Memories 

Learn more about our No Closing Cost HELOC.


Panama City branch has relocated!

We have found a new location in Panama City Beach to continue serving our customers while One Stanford Centre is being rebuilt. As of November 27th, our new location is 415 Richard Jackson Boulevard, Panama City Beach, FL.

Click here for info on rebuilding


Manage your debit card on the go.

Our Mobile Banking app has been upgraded and now lets you turn your debit card 'on' and 'off'. You can also set card limits by location, dollar amount, and merchant type, and get alerts when your card is used outside of your limits.

fraud alerts

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. All debit cards will get an enrollment text asking if they want to subscribe to this service. 

Call Customer Care at 877-499-0572 for more info or to make sure your debit cards are signed up.
A cropped image of looking up at a house.

Dream Home

Start Here

Community Rewards

Local Support

See How

A close up of a credit card.
Credit Cards

Get Rewarded

Go Now

A blurry scene of a gathering of people under party lights.

Get Sponsored

Learn More

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. 

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.