Renovate your home with our 7.00%1 HELOC


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Tellers available 7AM -7PM at our ITMs

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Business LOANS

Equipment loan rates as low as 7.99%2

Whether you're expanding your business or replacing outdated equipment, First Federal Bank offers competitive rates to get you the equipment you need.

Modern Home Solutions

Loans for your home  

Our knowledgeable mortgage loan officers are ready to thoroughly evaluate your circumstances and offer expertise to assist you in making the optimal choice. With a range of financing options available, we are here to support you every step of the way.

Business Credit cards 

Rewards Credit Cards for your Business

Whether you need to furnish an office or hit the ground running with new laptops, our business credit card accounts are quick to set-up, easy to use, affordable, and secure.

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Dream Home

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advanced banking

Business Checking Accounts

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Credit Cards

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consumer loans

Low Auto Loan Rates

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People are talking!

"My relationship with First Federal Bank began when I started my business 7 years ago. I knew they had always supported local charities and organizations, so I chose them as the bank I would use. I have been delighted with that choice and would not change a thing!"

Joey Knapp

Lake City, FL
People are talking!

"We moved to the Lake City area in April and opened an account at your bank. Since that time, Ms. Boyette has helped us every step of the way. She has assisted us with opening our accounts, providing notarization services, and helping us secure better rates for our money market and CD deposits. On occasion, she will also call out of the blue to check on us, which both Bob and I appreciate. She makes us feel like valued customers, and we thought you should know."

Wendi Murray

Lake City, FL

"As a business owner for over 15 years one of the most important decisions is choosing the bank to partner with. For me that was First Federal. Incredible customer service. They took care of all of our banking needs so that we could focus on the day to day of our business. Such dedication and commitment!"

Kathy McGhin

Live Oak, FL


"The staff is always so friendly and helpful anytime I have questions! They have gone above and beyond to make sure my banking needs are met, I never feel like just another customer! Highly Recommend!"

Tanya Langford

Panama City beach, FL

People are talking!

"The team was an amazing asset for us while progressing through our home loan process. She would conduct weekly check-in's and provide us up to date information as we neared the closing date. Highly recommend First Federal Bank as your first choice when in need of home financing."

Harry White

Jacksonville, FL
Community oriented

Over $100,000 given in 2023.

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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1) The 7.00% Annual Percentage Rate (APR) is a 12-month promotional rate. After 12-months the APR will be based on credit worthiness and based on the prime rate at that time to prime +3.50% and capped at 18%. As of 1/30/2024 the prime rate is 8.50%. 25-year term with a maximum amount of $250,000 on 1st mortgage and $150,000 on 2nd mortgage which are only available on site built homes. 2) Low closing cost promotion: Bank will credit $495 in FL or $595 in SC towards costs associated with opening a Home Equity Line of Credit and funding of least $10,000 funded for 12 months.
2) 7.99% available to those who qualify. Loan approval is subject to credit underwriting and approval.  Loan available for up to and including $75,000, 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.