Special Offers
Limited time offers you don't want to miss.
Equipment loan rates as low as 6.85%3
Whether you're expanding your business or replacing outdated equipment, First Federal Bank offers competitive rates to get you the equipment you need.
Receive a Business Line of Credit today!6
8.65% SBA Loans9
Are you ready to take your business to the next level? We believe in empowering entrepreneurs like you to achieve their dreams. That's why we're excited to offer a fixed 8.65% small business loan - designed to give you the financial boost you need to succeed. This limited time offer is ideal for expanding your operations, purchasing new equipment, and increasing working capital.10
Fixed Interest Rate as Low as 8.50%12
First Federal Bank offers fast and affordable financing up to $20,000 for your new HVAC or whole home generator system. With fixed interest rates and a variety of repayment terms, work directly with a dedicated lender or conveniently apply online. Contact us to get started today.
Complete the form below to receive updates when new offers are announced.
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6.85% fixed rate for terms up to 72 months available for purchase on new equipment including rolling stock, for qualified borrowers. 6.85% fixed rate for terms up to 60 months available for purchase on used equipment, including rolling stock, for qualified borrowers.
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The 5.25% Annual Percentage Rate (APR) is a 12-month promotional rate. After 12 months, the APR will be based on a Margin and range from Prime +0% to Prime +3.5%, capped at 18%. As of 8/14/2026 the prime rate is Prime. An additional rate reduction of 0.25% for 12 months, with $25,000 in new funds deposited to a First Federal Bank checking account. 25 year term with a minimum limit of $15,000 and maximum loan amount of $500,000 on 1st mortgage and $250,000 on 2nd mortgage. 2nd mortgage available on site built homes only.
Low closing cost promotion: Bank will credit at closing $1,000 in FL or $1,250 in SC towards costs associated with opening a Home Equity Line of Credit. A balance of $25,000 or more must be maintained for the first 12 months or the credit will be reversed and charged to the line. Exclusions and limitations may apply. Subject to offer availability and may be discontinued at any time. Additional rates and terms available. See a banker for complete details. Consult a tax adviser for further information regarding the deductibility of interest and charges. Updated 12/16/2025. -
Low closing cost promotion: Bank will credit at closing $495 in FL or $595 in SC towards costs associated with opening a Home Equity Line of Credit. A balance of $10,000 or more must be maintained for the first 12 months or the credit will be reversed and charged to the line. Exclusions and limitations may apply. Subject to offer availability and may be discontinued at any time. Additional rates and terms available. See a banker for complete details. Consult a tax adviser for further information regarding the deductibility of interest and charges. Updated 12/19/2024.
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Subject to credit approval and underwriting. Minimum line size of $10,000 and Maximum line size of $150,000. All lines are subject to a 1.0% line fee unless a minimum of 10% of the line amount is drawn on at closing, then the fee would be 0.50% of the line amount. All other customary closing costs will be paid by the borrower. All rates are based off the current Prime Rate and are subject to change at any time.
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Introductory variable rate of 5.75% for the first 12 months, based on Prime Rate (6.75% as of 06/23/26) minus 1.00%. After the first 12 months, the rate will adjust to the Prime Rate. Rate is subject to change with changes in Prime. All lines are subject to credit approval and underwriting. Not all applicants will qualify for advertised rates and terms. Minimum line size of $50,000 and maximum line size of $1,000,000. A line fee of 1.0% applies unless a minimum of 10% of the line amount is drawn at closing, in which case the fee is 0.50% of the line amount. Borrower is responsible for customary closing costs. Rates are based on the current Prime Rate and are subject to change without notice. Updated July 1, 2026.
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Introductory variable rate of 7.75% for the first 12 months, based on the Prime Rate (6.75% as of 06/23/26) plus 1.00%. After the first 12 months, the rate will adjust to the Prime Rate plus 2.00%. Rate subject to change with changes in Prime. All lines are subject to credit approval and underwriting. Not all applicants will qualify for advertised rates and terms. Minimum line size of $50,000 and maximum line size of $1,000,000. A line fee of 1.0% applies unless a minimum of 10% of the line amount is drawn at closing, in which case the fee is 0.50% of the line amount. Borrower is responsible for customary closing costs. Rates are based on the current Prime Rate and are subject to change without notice. Updated July 1, 2026.
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8.65% fixed interest rate available to those who qualify. Loan approval is subject to credit underwriting and approval. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required. The loan amount must be at least $150,000, with the maximum loan amount determined based on SBA eligibility criteria.
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Offer valid for a limited time.
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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 6.85% 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 7/1/26 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 July 2026.
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Loan payment is based on 8.50% interest rate - APR of 9.126% with a credit score of 720+. Example payment of $588.79 is for a $20,000 loan paid over 39 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. To receive the advertised rate, the following requirements must be met: open a personal checking account and sign up for automatic payments. 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 4/17/2025 and is subject to change. See a banker for complete program requirements. Offer is subject to change at any time.
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$200 Checking Bonus is available to new First Federal Bank customers who open a new personal Enhanced Checking Account through a representative at a branch or through a representative-assisted channel during the promotional period ending September 30, 2026. Accounts opened through the bank’s self-service online account opening process are not eligible. To qualify, customer must receive qualifying direct deposit(s) totaling at least $1,000 in a single calendar month within 60 days of account opening. Qualifying direct deposits are ACH deposits of payroll, pension, Social Security, or government benefits from an employer, pension administrator, or government agency. Person-to-person transfers, mobile payment transfers, remote deposits, ATM deposits, and transfers from other bank accounts do not qualify. Account must remain open, active, and in good standing for at least 90 days from account opening. Bonus will be credited within 30 days after all eligibility requirements are met. Limit one bonus per customer tax ID. Bonus may be subject to tax reporting. Offer may be subject to change at any time.
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Enhanced Checking requires a $50 minimum opening deposit. A $9 service charge applies per monthly account cycle unless fee waiver requirements are met.
All loans subject to credit approval and underwriting.
Prime is Prime
