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Setup Debit Card Text Alerts  

First Federal's fraud monitoring keeps your debit card safe with text alerts.  If suspicious activity is detected on your debit card, you'll receive a text message with transaction details.  Simply respond to confirm (or deny) the transaction. 

Call Customer Care at 877-499-0572 for more info or to confirm your debit cards are enrolled.

Custom Ink

Personalize your debit card 

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

covid-19 information

Committed to You 

To help protect you, our employees, and our communities, our drive-thrus are open. Our bankers and loan officers are available by appointment or phone; we remain committed to serving you. 

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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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