First Federal Bank

Vision: To have an organization that is connected to a culture of being a well-respected institution with informed personnel and customers.

Built on conservative yet progressive principles, over the past decade, First Federal has increased its business lines to include a mortgage processing company, wholesale lending, specialty commercial financing, warehouse lending, consumer direct lending, and a manufactured housing lending division. This diversity allows First Federal to serve more people and businesses across the Southeast.

First Federal’s business lines all share the common thread of being passionately committed to helping our neighbors and local communities thrive. We offer a range of products and services aimed at giving our customers all the financial tools they need for easy personal and business banking.

In its six decades, First Federal Bank has grown from a local savings and loan institution in Live Oak, Florida, to a multi-faceted bank spanning parts of Florida, Georgia, the Carolinas and Wisconsin. With assets of approximately $3.9 billion and daily liquidity up to $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 highly diversified consumer and commercial clients.

We are honored to be named Newsweek's Best Small Bank in Florida for three years and, most recently, the Best Regional Bank. We have established ourselves as a community and economic partner, investing our time and energy into the markets we serve with charitable giving and volunteering efforts.

Our high quality portfolio is invested in diverse sectors, without exposure to cryptocurrency, and carefully managed by strict policies to ensure it is maintained. Our stable, loyal client base includes significant municipal deposits. We are OCC regulated, FDIC insured and a Qualified Public Depository. Customers have trusted First Federal Bank for over 60 years, demonstrating its record of stability and accountability. We also offer IntraFi Network Deposits to give our customers deposit insurance for balances over $250k.

https://www.ffbf.com/

Wildlight Branch

40 Floco Ave

Yulee, FL 32097

904-321-2337

Lobby: 

9:00 a.m. - 4:00 p.m. Monday - Thursday

9:00 a.m. - 5:00 p.m. Friday

Drive-thru:

9:00 a.m. - 5:00 p.m. Monday - Friday

Yulee Branch

463845 State Road 200

Yulee, FL 32097

904-321-2337

Lobby:

9:00 a.m. - 4:00 p.m. Monday - Thursday

9:00 a.m. - 5:00 p.m. Friday

Drive-thru:

8:00 a.m. - 5:00 p.m. Monday - Friday

Fernandina Beach 14th Street Branch

1891 South 14th Street

Fernandina Beach, FL 32034

904-321-0400

Lobby: 9:00 a.m. - 4:00 p.m. Monday - Thursday9:00 a.m. - 5:00 p.m. Friday   

Drive Thru: 8:00 a.m. - 5:00 p.m. Monday - Friday