Special Offers

Limited time offers you don't want to miss.


Whole-House standby generator as low as 9.57%1.

Whole-house standby generators are the perfect backup to keep you going during a power outage. With First Federal Bank, you can make affordable payments and have the peace of mind knowing you are prepared.

  • Loans up to $20,000
  • Terms of 39 or 51 months
  • Fixed interest rate

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Home Equity

7.00% APR HELOC for the first 12 months.2

Whether renovating your kitchen or upgrading your outdoor space, our low closing cost Home Equity Line of Credit3 makes upgrading easy.

  • Renovate your home
  • Support education costs
  • Outdoor renovations

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Business Financing

Equipment loan rates as low as 7.99%4.

Whether you're expanding your business or replacing outdated equipment, First Federal Bank offers competitive rates to get you the equipment you need.

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1) Loan payment is based on 9.57% interest rate - APR of 10.074% with a credit score of 680-719. Example payment of $478.89 is for a $20,000 loan paid over 51 months. Closing costs including doc stamps, UCC filing fee and application fee up to $326.00 and must be paid in cash at closing. In example, total amount financed is $19,801 with closing costs of $326.00. Loan approval is subject to credit underwriting and approval. Rates and lending terms may vary depending on your financial condition and credit history. Rate was updated on 12/14/2023 and is subject to change. See a banker for complete program requirements.
2) 1) The 7.00% Annual Percentage Rate (APR) is a 12-month promotional rate. After 12-months the APR will be based on credit worthiness and based on the prime rate at that time to prime +3.50% and capped at 18%. As of 1/30/2024 the prime rate is 8.50%. 25-year term with a maximum amount of $250,000 on 1st mortgage and $150,000 on 2nd mortgage which are only available on site built homes.
3) Low closing cost promotion: Bank will credit $495 in FL or $595 in SC towards costs associated with opening a Home Equity Line of Credit and funding of least $10,000 funded for 12 months.

4) 7.99% available to those who qualify. Loan approval is subject to credit underwriting and approval.  Loan available for up to and including $75,000, fixed interest rate for up to 60 months, fully amortizing with principal payments. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required.