Competitive Rates on Used Vehicles

Personalized in-branch service, fast approvals, and APRs1 below 7.99% | Apply Now

'Tis Rewards Season with uChoose Rewards 

Shop, earn, and redeem. | Register your debit card for free

Doubling Donations for Giving Tuesday

All Community rewards donations 11/29/249 - 12/02/24 | Learn More


rOLLING STOCK LENDING TO GET YOU MOVING

7.39% on New Commercial Vehicles2

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.

Learn More

A photo of the front of a nondescript house.
Mortgages

Dream Home

Start Here

advanced banking

Business Checking Accounts

Learn More

A close up of a credit card.
Credit Cards

Get Rewarded

More Info

consumer loans

Low Auto Loan Rates

Learn More

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. 

Read More.

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.

Read More.

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) 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.