First Federal Bank

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: che

cking and savings accounts, business loans - including SBA and USDA, and mortgages or refinancing your home.

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/Q04rvrZt0

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.

02/18/2026

"Together, We Go Further" is about more than banking- at First Federal, it’s how we show up every day.

For our customers, it means personalized guidance and support; for our employees, it means collaboration, growth, and a shared purpose; and for our communities, it means investing in the places we call home.

It's about building together, creating real impact, and fostering growth and connection. Our strength comes from our shared dedication every day, in every branch, because together, we go further.

We are honored to be recognized by USA Today for America’s Best Customer Service 2026 and America’s Best Customer Servic...
02/05/2026

We are honored to be recognized by USA Today for America’s Best Customer Service 2026 and America’s Best Customer Service Financial Services 2026.

Read more: https://hubs.ly/Q0421fqw0

We're honored to be recognized by Newsweek as one of America's Best Regional Banks. This recognition reflects our unwave...
01/20/2026

We're honored to be recognized by Newsweek as one of America's Best Regional Banks. This recognition reflects our unwavering commitment to our customers, our communities, and the relationships we build every day. Thank you for trusting us to be your bank.

https://hubs.ly/Q03_z9PY0

Florida’s Back-to-School Tax Holiday is on! Now through August 31st, stock up on supplies tax-free and earn uChoose Rewa...
08/08/2025

Florida’s Back-to-School Tax Holiday is on! Now through August 31st, stock up on supplies tax-free and earn uChoose Rewards when you shop with your First Federal Bank card. Sign up at https://hubs.ly/Q03BrrRt0.

Learn more about the holiday exemptions by visiting our blog: https://hubs.ly/Q03Brqzv0

Our team enjoyed a wonderful evening for a great cause at the 18th Annual Boys & Girls Clubs of Nassau County Foundation...
03/05/2025

Our team enjoyed a wonderful evening for a great cause at the 18th Annual Boys & Girls Clubs of Nassau County Foundation Gala. We're grateful to have had the opportunity to help the organization through sponsorship and are looking forward to continuing our support in the future!

Our bankers had a fantastic time at the 2024 Wildlight Winterfest sponsoring and volunteering at the photo booth with St...
12/10/2024

Our bankers had a fantastic time at the 2024 Wildlight Winterfest sponsoring and volunteering at the photo booth with St. Nick & Mrs. Clause!

Bank representatives had a blast handing out bags of candy that also included bank facts at the Wildlight Trunk or Treat...
10/29/2024

Bank representatives had a blast handing out bags of candy that also included bank facts at the Wildlight Trunk or Treat on October 26th!

Address

40 FLOCO Avenue
Yulee, FL
32097

Opening Hours

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

Telephone

+19043212337

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