Federal Reserve Announces

First home loan rate drop in 11 years.

Is now the time to jump in and refinance? Call 844-404-3323 or click to find out what you could save.

allpoint atm network

Roam Free with Allpoint!

We're now part of the Allpoint Surcharge-Free ATM Network. You now have access to over 55,000 Surcharge-Free ATMs worldwide. 


Merchant services

Our Clover solutions let you run your business with ease.

Learn more about these all-in-one systems with low, simple rates.

fraud alerts

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. All you have to do is respond to confirm (or deny) the transaction. All debit cards will get an enrollment text asking if they 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


Community oriented

Over $250,000 given in 2018.

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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