First Federal Bank of Florida

First Federal Bank of Florida is a community-based mutual bank headquartered in Lake City, Florida. Founded in 1962 as First Federal Savings and Loan Association of Live Oak, it has expanded across North Florida, the Florida Panhandle, and into South Carolina. As a mutual bank, it is owned by its customers rather than stockholders. It offers personal and business banking, mortgages, and lending services, and serves over 70,000 customers from 28 community banking branches, mortgage lending offices in Florida and South Carolina, and SBA and USDA lending offices in the Southeast.

In 1962, a group of businessmen in a small town in North Florida united to form First Federal Savings and Loan Association of Live Oak, to provide home loans and savings accounts to their neighbors. After steady growth in the 1960s, First Federal expanded into Hamilton and Lafayette Counties. In the 1980s, it moved into Columbia County and later offered its first checking account. By 2010, it expanded within its existing market area, opened the John S. Flood Financial Center (Operations), and opened new branches in Nassau and Baker Counties. In the early 2010s, First Federal branched out to the Florida Panhandle serving Holmes, Jackson, and Washington Counties, and Bay County in 2016. In 2018, it acquired branches in Nassau and Marion Counties in Florida, branches in Beaufort County, South Carolina, and opened a branch in Gainesville, Florida. Today, it is a community-based mutual bank that serves over 70,000 customers from 28 community banking branches, mortgage lending offices in Florida and South Carolina, and SBA and USDA lending offices in the Southeast. Because it is a mutual bank, it is owned by its customers and not stockholders.

Community-based mutual bank focused on exceptional service and value, owned by its customers.

• Traditional Mortgages

  Finance your dream home with a mortgage from First Federal Bank.

• Business Line of Credit

  A 12-month line of credit secured by real estate at just 5.75%.

• Online Banking

  View accounts, deposits, and statements, pay bills, transfer funds, track spending, and more.

• Mobile Apps

  Bank on the go—check balances, transfer funds, pay bills, and get alerts anytime, anywhere.

1. 1First Federal Bankffbf.com
2. 2Our History › First Federal Bankffbf.com
3. 3Careers | First Federal Bankffbf.com
4. 4Community Programs | First Federal Bankffbf.com
5. 5First Federal Bank of Floridawikidata.org