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Click here to learn more about opening a savings account.

covid-19 information

Committed to Your Health

We hope you and your loved ones are safe, secure, and healthy. The Coronavirus (COVID-19) has had a far-reaching impact, and our hearts go out to everyone who has been affected.  We continue to follow updates closely as they unfold. 

To help protect you, our employees, and our communities, branches may be closed or access limited. While face to face interactions may be reduced, we are still here for you; our bankers and loan officers are available by appointment or phone. In this time of uncertainty, we remain committed to serving you - our clients. 

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Custom Ink

Personalize your debit card 

Upload your own photo to use as your debit card background!

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.  Simply respond to confirm (or deny) the transaction. All debit cards receive an enrollment text asking if you 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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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


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.

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