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.

Happy Teller Appreciation Week!This week, we're celebrating the amazing tellers across our Nassau County market, the fri...
10/08/2026

Happy Teller Appreciation Week!

This week, we're celebrating the amazing tellers across our Nassau County market, the friendly faces our customers see every day.

Thank you for your dedication, exceptional customer service, and the meaningful relationships you build with our customers and community!

First Federal Bank employees enjoyed attending The Nassau County Chamber Westside Council Luncheon at The Winery at Tusc...
09/25/2026

First Federal Bank employees enjoyed attending The Nassau County Chamber Westside Council Luncheon at The Winery at Tuscan Rose Vineyards!

Thank you, Nassau County Chamber, for hosting a wonderful event and to our guest speaker, Keith Wingate, President of the Northeast Florida Fair, for sharing his insights.

We appreciate the opportunity to connect with fellow business leaders, strengthen relationships, and continue supporting our Nassau County community!

Supporting the communities we serve goes beyond banking.Our Fernandina Beach team was proud to spend time with local fir...
09/11/2026

Supporting the communities we serve goes beyond banking.

Our Fernandina Beach team was proud to spend time with local first responders today, sharing our gratitude for all they do. As we remember September 11th, we also recognize the courage, service, and selflessness displayed by first responders every day.

Thank you for all you do for our community.

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.

We had a great time at the Wildlight Back to School Palooza. Our Fernandina team enjoyed being part of the celebration a...
08/24/2026

We had a great time at the Wildlight Back to School Palooza. Our Fernandina team enjoyed being part of the celebration and connecting with local families as they prepared for the school year ahead.

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)

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!

We're honored to be named Best of the Best Bank in Nassau County! This recognition reflects the trust of our customers, ...
08/20/2026

We're honored to be named Best of the Best Bank in Nassau County! This recognition reflects the trust of our customers, the dedication of our team members, and our commitment to helping our communities thrive every day.

Thank you to everyone who voted for us and continues to choose us as your financial partner. We are proud to serve Nassau County and look forward to continuing to deliver the exceptional service and hometown banking experience you deserve.

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.

FFB Connect is almost here! FFB Connect, our brand-new Virtual Branch officially launches Monday.Join us August 12th at ...
07/31/2026

FFB Connect is almost here! FFB Connect, our brand-new Virtual Branch officially launches Monday.

Join us August 12th at 4:00 p.m. ET for a fun-filled Virtual Launch Party as we celebrate this exciting new way to serve our customers.

Get an exclusive behind-the-scenes tour of FFB Connect, discover its exciting features, test your knowledge with interactive games, and you'll even have the chance to win great giveaways.

We can't wait to celebrate with you online!

https://hubs.ly/Q04rsz7F0

07/31/2026

Banking should fit your life, not the other way around.

FFB Connect, our new virtual branch, makes it easier than ever to manage your accounts, stay connected to your finances, and bank with confidence, anytime, anywhere.

First Federal Bank celebrated America 250 with a week full of patriotic activities. We wish you and your loved ones a ha...
07/03/2026

First Federal Bank celebrated America 250 with a week full of patriotic activities.

We wish you and your loved ones a happy, safe, and memorable holiday. Whether you're spending time with family and friends, enjoying community celebrations, or simply taking time to relax, we hope your weekend is filled with joy, laughter, and pride in the communities we call home.

Happy Independence Day!

A big thank you to Girl Scout Troop 9888 for providing these beautiful flags for our Fernandina Beach Team!After First F...
07/03/2026

A big thank you to Girl Scout Troop 9888 for providing these beautiful flags for our Fernandina Beach Team!

After First Federal Bank made a donation to support the local community, Girl Scout Troop 9888 generously provided these flags for our team.

We appreciate their generosity and are happy to display these flags at our Fernandina Beach location. Thank you, Girl Scout Troop 9888!

Address

1891 S 14TH Street
Fernandina Beach, FL
32034

Opening Hours

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

Telephone

+19043210400

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