Make a savings plan with our
Savings Goals Calculator
Planning a sabbatical? Saving for a down payment on a house? What will it take to reach your financial goal? This calculator helps you find out. Enter in your savings plan and view graphically your financial results.
Custom Ink
Personalize your debit card
fraud alerts
Setup debit card text alerts
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.
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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
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!
"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
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 2019.
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.