First Federal Bank

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First Federal Bank As a mutual bank, we are owned by our customers and not stockholders, which allows us to be uniquely focused on our customers’ needs.

First Federal Bank is a community-based mutual bank that serves over 60,000 customers from branches and mortgage offices in Florida, Georgia, Kansas, and the Carolinas. From our beginning in 1962, we’ve been passionate about helping our neighbors and local communities thrive. We offer a range of personal and business banking solutions, services, and loans. Visit us or call to learn more about: checking and savings accounts, business loans - including SBA and USDA, and mortgages or refinancing your home.

From reconnecting with familiar faces to meeting new ones, our Lady's Island Community Celebration was a wonderful eveni...
10/08/2026

From reconnecting with familiar faces to meeting new ones, our Lady's Island Community Celebration was a wonderful evening spent with customers, local partners, and community members.

Guests enjoyed refreshments, giveaways, and time together as we recognized First Federal Bank being named LowCountry's Best Bank for the fifth consecutive year. Events like these remind us that strong relationships are at the heart of everything we do, and we were grateful for the opportunity to celebrate alongside the people and organizations that make Lady's Island such a special community.

Our Lady's Island Community Celebration brought together customers, local partners, and residents for an evening of food...
10/02/2026

Our Lady's Island Community Celebration brought together customers, local partners, and residents for an evening of food, refreshments, and giveaways as we recognized First Federal Bank being named LowCountry's Best Bank for the fifth consecutive year.

Guests heard from Stephanie McClendon, Chief of Retail Community Banking; Misty Shipley, Financial Center Manager; Mark Weeks, Commercial Banker II; and Megan Morris, President & CEO of the Beaufort Regional Chamber of Commerce, who helped commemorate this achievement and the relationships that have helped make it possible.

The event provided a valuable opportunity to connect with customers, neighbors, local businesses, and community leaders while celebrating the relationships that make the Lady's Island community so special.

10/01/2026

We're looking forward to welcoming customers, neighbors, local partners, and community members to our Lady's Island Community Celebration today at 5 p.m. Join us for refreshments, giveaways, and an evening together as we recognize First Federal Bank being named LowCountry's Best Bank for the fifth consecutive year. We hope you'll stop by and celebrate with us.

Networking event in Beaufort, SC, United States by First Federal Bank on Thursday, October 1 2026

Good morning, Lady's Island!We're celebrating our community today, and you're invited.Stop by our Lady's Island branch t...
10/01/2026

Good morning, Lady's Island!

We're celebrating our community today, and you're invited.

Stop by our Lady's Island branch this morning for a fresh doughnut from our friends at Parlor Doughnuts, a hot cup of coffee, and a free First Federal Bank mug as our way of saying thank you.

A big thank you to Lee Hicks for delivering these this morning! They won't last long, so don't miss your chance to grab one.

Then join us again tonight at 5 PM for our Community Celebration. Bring a neighbor and come celebrate with us.

We can't wait to see you.

10/01/2026

Pop by for a Parlor Doughnut! 🍩

We're sharing a little something sweet with our customers and community as we celebrate being named LowCountry's Best Bank for the fifth consecutive year.

Beginning at 8 a.m. today, we'll have doughnuts from our valued customer, Parlor Doughnuts, available at our branch. Assorted flavors, minis, gluten-free, and vegan options will be available while supplies last.

Join us for our Community Celebration is tomorrow!Join us as we celebrate being named LowCountry's Best Bank for the fif...
09/30/2026

Join us for our Community Celebration is tomorrow!

Join us as we celebrate being named LowCountry's Best Bank for the fifth consecutive year with an evening of refreshments, giveaways, and an opportunity to celebrate with customers, neighbors, and local partners.

If you can't make it to the celebration, stop by our branch anytime throughout the day to receive a gift. We'll also have Parlor Doughnuts available in the morning while supplies last, including assorted flavors, minis, gluten-free, and vegan options.

We hope you'll stop by and celebrate with us!

Thank you, Lowcountry!We are honored to be named the Best Bank in Lowcountry for a fifth consecutive year.This recogniti...
09/23/2026

Thank you, Lowcountry!

We are honored to be named the Best Bank in Lowcountry for a fifth consecutive year.

This recognition reflects the trust our customers place in us and the relationships we've built throughout the communities we serve. We are grateful for the opportunity to support local families, businesses, and organizations, and we remain committed to delivering the service and community-focused banking experience our customers have come to expect from First Federal Bank.

On Patriot Day, the 25th anniversary of 9/11, we honor those who lost their lives, the families who continue to carry th...
09/11/2026

On Patriot Day, the 25th anniversary of 9/11, we honor those who lost their lives, the families who continue to carry their loss, and the first responders and veterans whose courage inspired a nation. May we never forget the strength, unity, and resilience that emerged in the face of tragedy.

Selling your current home while buying your next one? It can feel like a lot to juggle but knowing where to start can ma...
08/22/2026

Selling your current home while buying your next one? It can feel like a lot to juggle but knowing where to start can make the process easier.

From understanding your available equity to considering timing, financing, and your next home’s budget, there are several factors to think through before making your move.

We’re breaking down what to consider when buying and selling at the same time. Take a look at our latest blog for a helpful place to start!

Selling and Buying at the Same Time? Here's Where to Start: (https://hubs.ly/Q04tQjWZ0)

Our employee appreciation event was a chance to recognize the team members who help make First Federal Bank what it is. ...
08/21/2026

Our employee appreciation event was a chance to recognize the team members who help make First Federal Bank what it is. Through the support they provide to customers, the teamwork they show each day, and the connections they build in the communities we serve, their impact reaches far beyond the workplace.

At First Federal Bank, we love being part of the communities we call home. We were grateful for the opportunity to suppo...
08/21/2026

At First Federal Bank, we love being part of the communities we call home. We were grateful for the opportunity to support Lady's Island Middle School and contribute to the great things happening for students and families. Moments like these are a reminder of how much can happen when a community comes together.

In celebration of National Senior Citizens Day, we're honored to share that Money has recognized First Federal Bank as o...
08/21/2026

In celebration of National Senior Citizens Day, we're honored to share that Money has recognized First Federal Bank as one of the Best Banks and Credit Unions for Seniors for 2026, earning the publication's Best for Fee Waivers distinction.

For its 2026 rankings, Money evaluated hundreds of the nation's largest retail banks, credit unions, regional banks, state banks, and online banks. Institutions were compared based on opening balance requirements, interest rates, fees, and account features to identify the top performers.

First Federal Bank was recognized for its Essential Seniors Checking account, which offers customers ages 55 and older opportunities to waive monthly maintenance fees by meeting qualifying account requirements, along with additional account benefits. The publication also highlighted the bank's competitive CD options for customers with higher balances.

We're grateful to be recognized for our commitment to providing exceptional service and banking solutions that help our customers make the most of their financial future.

Read the full rankings:
https://hubs.ly/Q04txfg60

First Federal Bank offers personalized banking in a branch or online; personal and business checking, savings, and loans including SBA, USDA and more.

We may be a little past Couple’s Day, but we’re keeping the celebration going by spotlighting a duo who knows what it me...
08/21/2026

We may be a little past Couple’s Day, but we’re keeping the celebration going by spotlighting a duo who knows what it means to be partners both at home and at work.

Today we are spotlighting Garrett Greaves, a Network Administrator, and Laney Greaves, a Regional Teller, from our Lake City Financial Center.

Garrett and Laney have been married for almost two years, and they’re not just partners at home, they’re coworkers, too! Their favorite part about working together? Getting to have lunch together every day.

Laney says, “As a Regional Teller, I am always happy to go the extra mile to help other branches and meet customers from all locations and walks of life, from the big cities to the retirement communities.”

Garrett says, “I enjoy being able to work with a business that has such a large impact on our local communities.”

When they’re not at work, Garrett and Laney love floating the river, camping, and road-tripping across the country. We’re so happy to have this friendly face duo on our team.

Here’s to Garrett and Laney, a great team at work and an even better team at home!

08/19/2026

At First Federal, local banking means knowing there are real people behind every conversation.

With FFB Connect, customers can connect face-to-face with local bankers and receive the same world-class service they would experience at a branch.

Convenient access. Local people. Personal service.

Every interaction matters at First Federal Bank, and we're committed to providing friendly, efficient service from the m...
08/18/2026

Every interaction matters at First Federal Bank, and we're committed to providing friendly, efficient service from the moment you walk through our doors.

Thank you, Luis, for your kind words. We're grateful you chose First Federal Bank and are happy to hear you had a quick and positive experience. We look forward to serving your banking needs in the years ahead.

This National Nonprofit Day, we’re celebrating how First Federal Bank and our employees help strengthen the communities ...
08/17/2026

This National Nonprofit Day, we’re celebrating how First Federal Bank and our employees help strengthen the communities we serve. Through giving, volunteerism, and community programs, we supported 292 local nonprofits, dedicated 5,200 volunteer hours, and contributed $88,802 through First Federal Way and $50,500 through our Community Rewards Program. From education and the arts to health and wellness, these efforts help create stronger, healthier communities.

Happy National Financial Awareness Day!Today isn’t about counting every penny, it’s about making your money work harder ...
08/14/2026

Happy National Financial Awareness Day!

Today isn’t about counting every penny, it’s about making your money work harder for you.

Did you know that missing out on just a few basic money habits can impact your long-term financial security? Whether you want to build an emergency fund, crush debt, or learn to borrow strategically, it’s never too late to level up your financial skills.

Click the link below to read our blog and learn basic money habits that can help you become more financially aware:

https://hubs.ly/Q04t30f50

Today we are spotlighting Jason Mullinax, a Commercial Lender/AVP from our Panama City branch.Jason says he loves workin...
08/14/2026

Today we are spotlighting Jason Mullinax, a Commercial Lender/AVP from our Panama City branch.

Jason says he loves working at First Federal Bank because it gives him the opportunity to build relationships with the businesses in our community and help them achieve their goals.

"I enjoy working at First Federal because it gives me the opportunity to build relationships with the businesses in our community and help them achieve their goals. The people I work with are supportive, and I am appreciative of their investment in helping me grow into my role as a commercial lender. I’m also proud to be part of an organization that is committed to making a difference in the communities where we live, work and serve."

Happy National Dollar Day!Every dollar has a story. It can be saved for the future, used to support a local business, or...
08/08/2026

Happy National Dollar Day!

Every dollar has a story. It can be saved for the future, used to support a local business, or make a difference in someone’s day.

Today, we’re celebrating the value of every dollar and the possibilities that come with smart money choices. Whether you're saving for a future purchase, building an emergency fund, or planning for life’s milestones, every dollar saved brings you one step closer.

Address

36 SEA ISLAND PKWY
Beaufort, SC
29907

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 5pm

Telephone

+18435221228

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