Palm trees in the Florida sun.


Don't take our word for it.

“I just want to give a big shout out to the Main Street location, and more specifically to Sally Huggins. Thank you so much for your concern and phone calls. But, more so for treating me as Justin, and not an account number.” -Justin W. from Lake City, FL

“I truly appreciate the sincere hospitality felt when visiting First Federal yesterday and your making the process seem so easy. I was successful in setting up my account yesterday and find that the online profile and app feature you provided when setting up the accounts to be breath of fresh air, as everything is readily accessible and at my finger tips on a moment’s notice! I appreciate you making the account setup such a pleasure and look forward to doing business with First Federal in the future.” -Terry C. from Lake City, FL

“I had a great experience at the Graceville branch. They helped me learn how to use the new ATM and they were so wonderful and helpful!” -Louie J. from Graceville

“My husband and I made the move to Lake City, FL from West Virginia. First Federal helped us every step of the way! They worked with us remotely to get our banking set up and our home mortgage. They answered questions and were just really wonderful to work with! I would recommend First Federal for your banking needs!” -Christy B. from Lake City, FL

“Kim in Amelia Island is exactly the reason why I bank at First Federal! She is great and she goes above and beyond!” -Steve A. from Amelia Island

“I want to thank you for continuing the tradition of a hometown bank. I value my banking relationship with First Federal and appreciate the privilege of doing business with friends and acquaintances that I have known for years. It is for these reasons that I have remained with this bank over the years and encourage others to do the same. Additionally, it has been a treat over the years to speak with a HUMAN when I dial the Bank operator. Ms. Dedge is so pleasant and friendly.” -Ronna J. from Live Oak

“Buying a home is stressful, but you made the process seamless. We now feel and understand the pride of home ownership because of Wendy.” -Sean and Daphnee N. from Jacksonville

“I could not have asked for a better loan officer to work with. With many appointments scheduled on a Friday, Donna stayed late and made sure I got my approval letter I needed to provide to the company selling the home. She was incredibly fast at receiving and replying to any phone call or e-mail I or anyone else I was working with throughout my home buying process, sent to her. She was so supportive and helpful throughout the entire process. She’s amazing and I highly recommend her. I had a great first home buying experience with her.” -Keri C. from Ft. White, FL

An elderly couple smiles as they hug in their kitchen and enjoy coffee.
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