Tap Into Your Home's Equity: 7.00% APR HELOC2
Extra cash for life's upgrades | Learn More
Help Us Give Back to Your Community
Enroll today for free and be part of giving back | Learn More
rOLLING STOCK LENDING TO GET YOU MOVING
7.39% on New Commercial Vehicles3
Our low-rate rolling stock commercial loans are designed to get your business moving. We offer options for both new and used trucks, trailers, and construction equipment.
Personalized rewards debit cards
Create your own one-of-a-kind debit card.
Upload a photo of your favorite vacation spot, your loved ones (human or furry), or a favorite memory and your card will be reviewed, printed, and mailed straight to you.
Business Credit cards
Rewards credit cards for your business.
Whether you need to furnish an office or hit the ground running with new laptops, our business credit card accounts are quick to set-up, easy to use, affordable, and secure.
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People are talking!
"My relationship with First Federal Bank began when I started my business 7 years ago. I knew they had always supported local charities and organizations, so I chose them as the bank I would use. I have been delighted with that choice and would not change a thing!"
Joey Knapp
Lake City, FL
People are talking!
"We moved to the Lake City area in April and opened an account at your bank. Since that time, Ms. Boyette has helped us every step of the way. She has assisted us with opening our accounts, providing notarization services, and helping us secure better rates for our money market and CD deposits. On occasion, she will also call out of the blue to check on us, which both Bob and I appreciate. She makes us feel like valued customers, and we thought you should know."
Wendi Murray
Lake City, FL
PEOPLE ARE TALKING!
"As a business owner for over 15 years one of the most important decisions is choosing the bank to partner with. For me that was First Federal. Incredible customer service. They took care of all of our banking needs so that we could focus on the day to day of our business. Such dedication and commitment!"
Kathy McGhin
Live Oak, FL
PEOPLE ARE TALKING!
"The staff is always so friendly and helpful anytime I have questions! They have gone above and beyond to make sure my banking needs are met, I never feel like just another customer! Highly Recommend!"
Tanya Langford
Panama City beach, FL
People are talking!
"The team was an amazing asset for us while progressing through our home loan process. She would conduct weekly check-in's and provide us up to date information as we neared the closing date. Highly recommend First Federal Bank as your first choice when in need of home financing."
Harry White
Jacksonville, FL
Community oriented
Over $100,000 given in 2023.
Our foundation is helping our neighbors and communities thrive. That's why we're always focused on doing what we can to support education, build strong families, support affordable housing, and help those less fortunate.
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Our Story
The History of FFB
In 1962, a group of businessmen in a small town in North Florida united together to form First Federal Savings and Loan Association of Live Oak, as a way to provide home loans and savings accounts to their neighbors. We owe them everything.
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1) APR - Annual Percentage Rate. Minimum loan amount $5,000. Maximum loan amount $75,000. To receive the advertised APR, the following requirements must be met: credit score of 720+, have a First Federal Bank personal checking account and sign up for automatic payments. Loan is subject to credit underwriting and approval. Rate and lending terms may vary depending on your financial condition and credit history. Standard fees apply. Final approval may require additional documentation. Rate subject to change at any time.
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 and range from Prime +0% to Prime +3.5% capped at 18%. As of 5/28/2024 the prime rate is 8.50%. 25-year term with a maximum loan amount of $250,000 on 1st mortgage and $150,000 on 2nd mortgage. 2nd mortgage available on site-built homes only.
3) 1) 7.39% fixed for 72 months. Available for the purchase of new rolling stock (commercial vehicles) for those who qualify. Loan approval is subject to credit underwriting and approval. Rate and lending terms may depend on your financial condition and credit history. Standard fees apply. Final approval may require additional documentation. Loan minimum is $5,000 and loan maximum is up to and including $250,000, fixed interest rate for up to 72 months, fully amortizing with principal payments. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required.
