Growth takes more than a good idea.

* Relationship builder Loan Program for new business customers only, for commercial owner-occupied real estate loans and certain commercial 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.

Commercial real estate loans involving medical, office, warehouse, distribution, manufacturing and refrigerated/cold storage would be considered. Updated March 2026.

Sweepstakes: No purchase necessary. One entry per person. Entries must be submitted by June 12, 2026. Must be a U.S. resident and 18 years of age or older. Void where prohibited. Visa® is a registered trademark and not a sponsor or endorser of this sweepstakes. Scan the QR Code or visit ffbf.com/owner-occupied-sweepstakes to enter and view the Official Sweepstake Rules.