New Virtual Branch

New account and loan applications wherever you are.

Business Line of Credit at 5.75%1

Beware of Scams & Fraud

We will not text you a link to verify
your identity. Questions? Call us.

Low-rate Credit Card

More rewards. Less interest. Enjoy a competitive low rate while earning rewards on everyday purchases.

New Virtual Branch

New account and loan applications wherever you are.

Business Line of Credit at 5.75%1

Beware of Scams & Fraud

We will not text you a link to verify
your identity. Questions? Call us.

Low-rate Credit Card

More rewards. Less interest. Enjoy a competitive low rate while earning rewards on everyday purchases.

Useful tools for everyday life.

Account features that make banking easier
and more secure

 
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Online
Banking

View accounts, deposits, and statements, pay bills, transfer funds, track spending, and more, all in one place.

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Smart
Alerts

Get instant alerts for account activity—customize what you see and stay protected with real-time updates.

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Mobile
Apps

Bank on the go with our mobile app—check balances, transfer funds, pay bills, and get alerts anytime, anywhere.

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Online
Bill Pay

Pay bills quickly and securely with online bill pay. Schedule one-time or recurring payments and manage everything in one place.

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Everything you need for your next home.

Mortgage options designed to simplify your path
to home ownership
new homeowners

Traditional Mortgages

Finance your dream home with a mortgage from First Federal Bank. With over 60 years of helping customers achieve homeownership, you can trust that your experience will be smooth and seamless.

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house construction

Construction-to-Permanent

Build and finance your home with one loan. Our construction to permanent option covers both phases, simplifying the process with a single closing and flexible terms.

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VA Mortgages

Choose from a range of mortgage options including conventional, FHA, USDA, and VA loans—each designed to fit different needs and make home ownership more accessible.

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Hear from people just like you that trust in First Federal Bank.

The best customers deserve the best
banking experience.

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Scott Nunley
They are always helpful, nice, and services are great. Everyone is quick to help and resolve any issues you may have.
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testimonial_2@2x
Deonna Willis
Lake City – Mall Branch
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After 20 years with First Federal Bank, I easily leveraged our relationship to finance my new venture, Columbia Drip Bar. Their local presence, trustworthiness, and friendly service make First Federal the perfect banking partner.
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testimonial_3@2x
Michael McKinney
I was glad to support my local bank to secure an SBA loan to open Line X in Gainesville. Staying connected to the community and contributing to the local economy’s growth is important to me.
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  1. 7.50% available to those who qualify. Loan approval is subject to credit underwriting and approval. Loan available for up to and including $500,000,
    fixed interest rate for up to 60 months, fully amortizing with principal payments. Customer is responsible for closing costs. First Federal Bank business
    checking account and auto debit required. Limited time offer. Updated October 1, 2026.

  2. 1) The 5.75% annual percentage Rate (APR) is a 12-month promotional rate. After the introductory period, the APR will be variable and based on the Prime rate plus a margin ranging from 0.00% to 3.50%. The APR will never exceed 18.00%. As of 9/22/2026, the Prime Rate is 7.00%. Estimated fees to open the plan generally range from $478 to $4,217. An additional rate reduction of 0.25% for 12 months, with $25,000 in new funds deposited to a First Federal Bank checking account. 25-year term with a minimum limit of $15,000 and maximum loan amount of $500,000 on 1st mortgage and $250,000 on 2nd mortgage. 2nd mortgage available on site-built homes only. 2) Bank will credit at closing $1,000 in FL or $1,250 in SC towards costs associated with opening a Home Equity Line of Credit. A balance of $25,000 or more must be maintained for the first 12 months or the credit will be reversed and charges to the line. Property insurance is required (except where otherwise permitted by law). Flood insurance may be required. Subject to verification of application information, acceptable collateral, and satisfaction of First Federal Bank’s underwriting requirements. Additional rates and terms may apply. Consult a tax advisor regarding the deductibility of interest and charges.

  3. All lines are subject to credit approval and underwriting. Not all applicants will qualify for advertised rates and terms. Minimum line size of $50,000 and maximum line size of $1,000,000. A line fee of 1.0% applies unless a minimum of 10% of the line amount is drawn at closing, in which case the fee is 0.50% of the line amount. Borrower is responsible for customary closing costs. Rates are based on the current Prime Rate and are subject to change without notice. Updated October 1, 2026.

  4. Introductory variable rate of 6.00% for the first 12 months, based on Prime Rate (7.00% as of 09/17/26) minus 1.00%. After the first 12 months, the rate will adjust to the Prime Rate. Rate is subject to change with changes in Prime.

    All lines are subject to credit approval and underwriting. Not all applicants will qualify for advertised rates and terms. Minimum line size of $50,000 and maximum line size of $1,000,000. A line fee of 1.0% applies unless a minimum of 10% of the line amount is drawn at closing, in which case the fee is 0.50% of the line amount. Borrower is responsible for customary closing costs. Rates are based on the current Prime Rate and are subject to change without notice. Updated October 1, 2026.

  5. Introductory variable rate of 8.00% for the first 12 months, based on the Prime Rate (7.00% as of 09/17/26) plus 1.00%. After the first 12 months, the rate will adjust to the Prime Rate plus 2.00%. Rate subject to change with changes in Prime.

    All lines are subject to credit approval and underwriting. Not all applicants will qualify for advertised rates and terms. Minimum line size of $50,000 and maximum line size of $1,000,000. A line fee of 1.0% applies unless a minimum of 10% of the line amount is drawn at closing, in which case the fee is 0.50% of the line amount. Borrower is responsible for customary closing costs. Rates are based on the current Prime Rate and are subject to change without notice. Updated October 1, 2026.

  6. 9.375% fixed interest rate available to those who qualify. Loan approval is subject to credit underwriting and approval. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required. The loan amount must be at least $150,000, with the maximum loan amount determined based on SBA eligibility criteria. **Rate updated October 1, 2026.
  7. Offer valid for a limited time.
  8. Product offering for new business customers only, for commercial owner-occupied real estate loans and certain commercial real estate loans. Not all applicants will qualify for advertised rates and terms. Policy loan to value, credit scores, and repayment terms will apply. Amortization will be based on First Federal Bank loan policy. 0.5% origination fee applies. Loan approval rates are subject to credit underwriting and approval. Additional terms and conditions apply. There is a tiered fixed rate of 7.15% APR for the first 2 years then repricing every 3 years based on the 3-year Constant Maturing Treasury (CMT) plus 275 basis points. The Annual Percentage Rate (APR) is current as of 9/17/26 and is subject to change without notice. To receive the advertised rate, the following requirements must be met: open a business account, sign up for automatic payments, and enroll in eStatements. Rate increases by 0.25% for each requirement not met. All payments include principal and interest. First Federal existing loans are not eligible for this promotion. Commercial real estate loans involving medical, office, warehouse, distribution, manufacturing and refrigerated/cold storage would be considered. Updated October 1, 2026.
  9. Loan payment is based on 8.50% interest rate - APR of 9.126% with a credit score of 720+. Example payment of $588.79 is for a $20,000 loan paid over 39 months. Closing costs including doc stamps, UCC filing fee and application fee up to $326.00 and must be paid in cash at closing. In example, total amount financed is $19,801 with closing costs of $326.00. To receive the advertised rate, the following requirements must be met: open a personal checking account and sign up for automatic payments. Loan approval is subject to credit underwriting and approval. Rates and lending terms may vary depending on your financial condition and credit history. Rate was updated on 4/17/2025 and is subject to change. See a banker for complete program requirements. Offer is subject to change at any time.
  10. $200 Checking Bonus is available to new First Federal Bank customers who open a new personal Enhanced Checking Account through a representative at a branch or through a representative-assisted channel during the promotional period ending December 31, 2026. Accounts opened through the bank’s self-service online account opening process are not eligible. To qualify, customer must receive qualifying direct deposit(s) totaling at least $1,000 in a single calendar month within 60 days of account opening. Qualifying direct deposits are ACH deposits of payroll, pension, Social Security, or government benefits from an employer, pension administrator, or government agency. Person-to-person transfers, mobile payment transfers, remote deposits, ATM deposits, and transfers from other bank accounts do not qualify. Account must remain open, active, and in good standing for at least 90 days from account opening. Bonus will be credited within 30 days after all eligibility requirements are met. Limit one bonus per customer tax ID. Bonus may be subject to tax reporting. Offer may be subject to change at any time.
  11.  Enhanced Checking requires a $50 minimum opening deposit. A $9 service charge applies per monthly account cycle unless fee waiver requirements are met.