1) Relationship Builder Loan Program for new business customers only, for commercial owner-occupied real estate loans. Policy loan to value, credit scores, and repayment terms will apply. Amortization will be based on First Federal Bank loan policy. 0.5% origination fee applies. Loan approval rates are subject to credit underwriting and approval. Additional terms and conditions apply. There is a tiered fixed rate of 6.49% APR for the first 2 years then repricing every 3 years based on the 3-year Constant Maturing Treasury (CMT) plus 300 basis points. The Annual Percentage Rate (APR) is current as of 8/1/25 and is subject to change without notice. To receive the advertised rate, the following requirements must be met: open a business account, sign up for automatic payments, and enroll in eStatements.Rate increases by 0.25% for each requirement not met. All payments include principal and interest. First Federal existing loans are not eligible for this promotion. Updated October 2025.
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) Credit cards must be registered to earn and redeem points. Debit cards must be registered to redeem points. Points may take up to 40 days to show in your account. Cashback rewards are only applicable to debit cards, personal reward credit cards, and business reward credit cards. Please be aware that these rewards may be subject to tax reporting. Debit cards earn 1 point for every $3 spent. Personal Classic and Business Classic credit cards earn 1 point for every $1 spent on transactions exceeding $3. Personal Rewards credit cards earn 1 point for every $1 spent. Business Rewards Credit Card earns 1.25 points for every $1 spent. For full terms and conditions, please register your First Federal Bank debit/credit card or login to your uChoose Rewards account at uchooserewards.com