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1.99% Home Equity Line of Credit

for the first 12 months | Details

60 Days of Giving

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save by refinancing or consolidating debt 

Need a Business Loan or to Refinance one?  

First Federal's Commercial Team can help your business, during these unusual times. The SBA's 7(a) program has exciting new provisions: SBA fees are waived and up to 3 payments may be made on your behalf.*


Making an Impact in 2021 

First Federal is proud to have bolstered local communities during another unprecedented year with close to $573,000 in total donations distributed to 294 non-profits. 


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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 2021.

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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