Home Utilities Loans as Low as 9.26%*

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7.99%1 Business Equipment Loans Available

Whether you're expanding your business or replacing outdated equipment, First Federal Bank offers competitive rates* to get you the equipment you need.

Home and Condo Owner's Associations

Streamlined banking solutions for HOA's and COA's  

First Federal Bank is a one-stop shop for HOAs and COAs looking for banking services designed for your unique needs. With specialized HOA banking services, knowledgeable staff, and convenient 24/7 digital and mobile banking.

Business Online Banking 

Manage your accounts whenever, wherever.

Our suite of products and services ensures your business remains safe and competitive with easy-to-use tools, and also ensures you have local person-to-person banking support for staff.

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Dream Home

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Mortgage Assistance

Hurricane Idalia Relief

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Credit Cards

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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 2022.

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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