Low Fixed-Interest2 Business Credit Cards
SPEND SMART AND EARN POINTS WITH UCHOOSE REWARDS3 | lEARN MORE
First Federal is Focused on You
Caring for our customers and their needs is the First Federal way.
rOLLING STOCK LENDING TO GET YOU MOVING
7.39% on New Commercial Vehicles4
Our low-rate rolling stock commercial loans are designed to get your business moving. We offer options for both new and used trucks, trailers, and construction equipment.
Personalized rewards debit cards
Create your own one-of-a-kind debit card.
Upload a photo of your favorite vacation spot, your loved ones (human or furry), or a favorite memory and your card will be reviewed, printed, and mailed straight to you.
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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People are talking!
“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.”
Deonna Willis - Owner
Lake City, FL
People are talking!
“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.”
Michael McKinney - Owner
Lake City, FL
PEOPLE ARE TALKING!
"They are always very helpful, nice, and services are great. Everyone is quick to help and resolve any issues you may have."
Scott Nunley
Live Oak, FL
PEOPLE ARE TALKING!
"Wonderful bank! Their team really cares and tries hard to make sure that they are able to meet your needs. If you are looking for a great relationship with your bank, I recommend First Federal. "
Jacqueline Flynn
Panama City beach, FL
People are talking!
"The BEST! I was treated like family here. It was such a great experience."
Bill Bonner
Jacksonville, FL
Community oriented
Over $100,000 given in 2024.
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 6.00% Annual Percentage Rate (APR) is a 12-month promotional rate. After 12 months, the APR will be based on a Margin and range from Prime +0% to Prime +3.5%, capped at 18%. As of 12/19/2024 the prime rate is 7.50%. 25-year term with a maximum loan amount of $250,000 on 1st mortgage and $150,000 on 2nd mortgage. 2nd mortgage available on site-built homes only.
2) Classic Business Credit Card: Minimum credit limit is $5,000 and maximum credit limit is $35,000. APR of 14.90%. No annual fee.
3) uChoose Rewards Business Credit Card: Minimum credit limit is $5,000 and maximum credit limit is $35,000. APR of 14.90%. Annual fee is $49.99. Reward points may take up to 40 days to show in your account. Cash back rewards may be subject to tax reporting.
4) 1) 7.39% fixed for 72 months. Available for the purchase of new rolling stock (commercial vehicles) for those who qualify. Loan approval is subject to credit underwriting and approval. Rate and lending terms may depend on your financial condition and credit history. Standard fees apply. Final approval may require additional documentation. Loan minimum is $5,000 and loan maximum is up to and including $250,000, fixed interest rate for up to 72 months, fully amortizing with principal payments. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required.
