Special Offers

1) 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 3/1/2024 and is subject to change. See a banker for complete program requirements. Offer ends August 31, 2024.
2) The 7.00% Annual Percentage Rate (APR) is a 12-month promotional rate. After 12-months the APR Margin will be based on credit worthiness at that time (e.g. Prime+ 0% - 3.5%) 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.
5) First order of checks are free (up to a $200 value) 6) $50 to open any new Business Checking Account. 7) $200 Checking Bonus limited to new business customers who deposit at least $5,000 or more of new money into a business checking account at opening. Balance must be maintained for at least 60 days to qualify. Offer limited to the first 50 customers who meet the criteria. 

One (1) offer (up to $300) per business account; cannot be combined with any other offer. Offer limited to the first 50 customers who meet the criteria. Bank transfers from an existing personal or business First Federal Bank account do not qualify. Offer not valid to anyone whose accounts have been closed within 90 days, or whose accounts closed with a negative balance within the past three years. Once the criterion is met, the bonus will be credited to the new account no later than 120 days from the open date. If either account is closed by the customer within 6 months after account opening, First Federal Bank reserves the right to deduct the bonus amount from that account at closing. Limited time offer.