Description

For over 60 years, First Federal Bank has grown from a local savings and loan institution in Live Oak, Florida, to a multi-faceted bank that spans North and Central Florida, and Coastal South Carolina. With assets around $4.1 billion, we are one of the country’s few community-based mutual banks. Being owned mutually by our depositors, and not shareholders, means we are more responsive to our customers.

By offering a wide variety of first-class financial solutions, ranging from business and personal banking, to commercial and residential lending, we are able to meet diverse needs. These offerings, coupled with conservative financial practices, has earned us a “5-Star, Superior” rating by independent rating company, BauerFinancial. We strive to continually serve our valued customers with innovative and creative solutions.

We care deeply about our communities. We volunteer on weekends, we sit on boards, we donate money, and most importantly: we show up. It’s part of who we are, because as we work together, our community strengthens.