Live Oak South

804 Ohio Ave S
Live Oak, FL 32064

(386) 362-3433

Lobby Hours

Mon - Thu 9 AM - 4 PM
Fri 9 AM - 6 PM

Drive Through Hours

Mon - Thu 7:30 AM - 5 PM
Fri 7:30 AM - 6 PM
Sat 9 AM - 12 PM

Contact Us

Heather Thompson
Heather Thompson

Financial Center Manager

thompsonh@ffbf.com

p: (386) 647-7963

o: (386) 362-3433 x 3109

Brandon Fernald
Brandon Fernald

Commercial Loan Officer

fernaldb@ffbf.com

p: (386) 965-5455

o: (386) 362-3433 x 3396
Hear from people just like you that trust in First Federal Bank.

The best customers deserve the best
banking experience.

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Scott Nunley
They are always helpful, nice, and services are great. Everyone is quick to help and resolve any issues you may have.
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Deonna Willis
Lake City – Mall Branch
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After 20 years with First Federal Bank, I easily leveraged our relationship to finance my new venture, Columbia Drip Bar. Their local presence, trustworthiness, and friendly service make First Federal the perfect banking partner
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Michael McKinney
I was glad to support my local bank to secure an SBA loan to open Line X in Gainesville. Staying connected to the community and contributing to the local economy’s growth is important to me
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