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.

Costumes, candy, and community fun! Last week, First Federal employees joined Columbia City Elementary's Trunk or Treat,...
10/26/2026

Costumes, candy, and community fun! Last week, First Federal employees joined Columbia City Elementary's Trunk or Treat, setting up two stations and handing out candy, piggy banks, and small prizes from our mobile ATM. We enjoyed spending the evening with students, families, and fellow community members.

This year, our Lake City Main Blvd branch celebrated "Get to Know Your Customers Day"!The photo features our TOC, Britta...
10/22/2026

This year, our Lake City Main Blvd branch celebrated "Get to Know Your Customers Day"!

The photo features our TOC, Brittany Voss, presenting a thank-you gift to one of our valued customers, Kellen Markowski. To celebrate the day, our team focused on building deeper connections by engaging customers in conversations and learning something new about each person we met. As a token of appreciation, customers who participated received a special goody bag.

The event was a tremendous success, with our team interacting with more than 100 customers and creating memorable moments that strengthened the relationships at the heart of our community.

This week, we celebrated National Pharmacy Week in Lake City and recognized the important role our local pharmacies play...
10/21/2026

This week, we celebrated National Pharmacy Week in Lake City and recognized the important role our local pharmacies play in caring for our community. Team members Amanda L. Jackson, Community Lending Officer; Lacrecia Barber, Regional Senior Commercial Banker; Gigi Register, Commercial Banker III; and Amanda Gates, Loan Officer, all from our Lake City Mall Branch, stopped by to deliver cookies as a small token of appreciation.

We are grateful for our customer partners at Baya Pharmacy, North Florida Pharmacy, and Cheek & Scott Pharmacy and thank them for their continued service and dedication. Their teams make a difference every day, and we were glad to help celebrate National Pharmacy Week with them.

A small thank-you for a team making a difference!Last week, Pam Cochran and Renee Williams brought lunch to the Florida ...
10/20/2026

A small thank-you for a team making a difference!

Last week, Pam Cochran and Renee Williams brought lunch to the Florida Gateway College’s Financial Aid team in appreciation of their dedication to helping students succeed every day.

Join us in thanking them for all they do!

What an incredible weekend at the annual Suwannee River Breast Cancer Tournament! Nearly 90 boats participated, helping ...
10/08/2026

What an incredible weekend at the annual Suwannee River Breast Cancer Tournament!

Nearly 90 boats participated, helping raise more than $200,000 to support this cause. First Federal Bank is honored to sponsor and support events that make a positive impact in the communities we serve.

Congratulations to Joey and Bryson for representing First Federal Bank and bringing home the tournament win! We’re proud to celebrate both their success and the generosity of everyone who helped make this event such a tremendous success.

Giving back in the community is an important part of the Tiger Bank experience. On September 16, our Tiger Bank interns ...
09/23/2026

Giving back in the community is an important part of the Tiger Bank experience. On September 16, our Tiger Bank interns volunteered at the VA Domiciliary, serving ice cream during a bingo event and spending time with veterans. Thank you for welcoming our team and allowing us to be part of the day.

Last night, team members from several First Federal Bank locations volunteered at the CARC 2025 Awards Banquet Celebrati...
09/16/2026

Last night, team members from several First Federal Bank locations volunteered at the CARC 2025 Awards Banquet Celebration, serving dinner to clients, employees, and guests during an evening dedicated to honoring dedication, hard work, and personal growth.

We were grateful for the opportunity to support CARC as they recognized the individuals who help make their mission possible and celebrated another year of empowering those they serve. Thank you, CARC, for allowing us to be part of such a meaningful evening.

Pictured left to right: Braxton Treverrow, Assistant Vice President, IT Support Manager; Tricia Sapp, HR Specialist; Julie Stutts, Teller Operations Coordinator; Matt Stutts, Courier; Shana Taylor, Financial Center Manager I; Laura Ray, Senior Teller; Tina Ferguson, Processing Manager; and Amanda Willis, Administrative Support.

Today, members of the First Federal Bank team joined the Lake City community in commemorating the 25th Anniversary of Se...
09/11/2026

Today, members of the First Federal Bank team joined the Lake City community in commemorating the 25th Anniversary of September 11th. Amanda Jackson, Community Lending Officer; Gigi Register, Commercial Banker III; Lacrecia Barber, Regional Senior Commercial Banker; and Amanda Gates, Loan Officer, joined Lake City Fire Chief Josh Wehinger, Assistant Fire Chief Ret Tompkins, and Representative Kat Cammack and other local leaders, first responders, and community members to honor the lives lost, recognize the heroes who served, and reflect on the strength and unity that emerged in the days that followed.

During the ceremony, Gigi Register had the honor of hanging a wreath on behalf of the Daughters of the American Revolution as part of the remembrance tribute.

We are grateful for opportunities to come together with our community to honor those we will never forget.

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.

Congrats to Florida Gateway College girls flag football team on their 4th Consecutive National Championship!
09/09/2026

Congrats to Florida Gateway College girls flag football team on their 4th Consecutive National Championship!

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!

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

4705 W US Highway 90
Lake City, FL
32055

Opening Hours

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

Telephone

+13867550600

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