Business banking offers secure financial management, streamlined transactions, credit options, and tools to help businesses grow efficiently and sustainably.
Mortgage options designed to simplify your path to home ownership
Traditional Mortgages
Finance your dream home with a mortgage from First Federal Bank. With over 60 years of helping customers achieve homeownership, you can trust that your experience will be smooth and seamless.
Build and finance your home with one loan. Our construction to permanent option covers both phases, simplifying the process with a single closing and flexible terms.
Choose from a range of mortgage options including conventional, FHA, USDA, and VA loans—each designed to fit different needs and make home ownership more accessible.
Hear from people just like you that trust in First Federal Bank.
The best customers deserve the best banking experience.
Scott Nunley
They are always helpful, nice, and services are great. Everyone is quick to help and resolve any issues you may have.
Deonna Willis
Lake City – Mall Branch
After 20 years with First Federal Bank, I easily leveraged our relationship to finance my new venture, Columbia Drip Bar. Their local presence, trustworthiness, and friendly service make First Federal the perfect banking partner
Michael McKinney
I was glad to support my local bank to secure an SBA loan to open Line X in Gainesville. Staying connected to the community and contributing to the local economy’s growth is important to me
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1) Relationship Builder Loan Program for new business customers only, for commercial owner-occupied 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 6.49% 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 8/1/25 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. Updated October 2025. 2) Classic Business Credit Card: Minimum credit limit is $5,000 and maximum credit limit is $35,000. APR of 14.90%. No annual fee. 3) 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 12/16/2025 the prime rate is 6.75%. 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. 2) 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.
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