First Federal Bank

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2571 W US Highway 90
Lake City, FL 32055
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. As a mutual bank, we are owned by our customers and not stockholders, which allows us to be uniquely focused on our customers’ needs. 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.
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Reviews

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3.53 reviews
Ron J.
9/25/2025

Excellent service at each Bank Visit. No complaints. When I needed a debit card replacement, no issue. No reported fraud in my checking account. Personnel are pleasant and curteous.

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Robert L.
1/9/2024

Their interest rates are pathetic. How can they make money on your $25,000 and give you .08 interest? They can be friendly all they want but that doesn't build my bank account. They also have the...

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Roxana R.
7/10/2018

I came in to the teller window at this branch for the first time today 15min before they closed lobby after doing business with FFSB for +10yrs. Carla asked for my ID & swore she had taken care of...

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