Win a new cooler!

About First Federal Bank

First Federal Bank is a community bank founded in the heart of North Central Florida in 1962. Today, First Federal is a community based, mutual bank offering a full line of personal and business financial solutions, services and loans through full-service banking offices in Florida’s Panhandle, North Central Florida, and coastal South Carolina. In addition, First Federal has mortgage lending offices across the Southeast and Midwest, and SBA and USDA lending offices throughout Florida and in multiple states.

"They listen to you, they learn about you, and they lead the way in developing financial solutions. If you are searching for a bank that fosters an authentic environment of service, your search is over with finding First Federal Bank. I look forward to moving other accounts to them and for you to stop by a local branch to meet their team, they can help!"

Personal Checking

Explore our checking options designed to fit your unique banking needs.

Financial Planning

A financial plan guides how you manage your money for both short-term and long-term goals.

First Time Homebuyer

Preparing to purchase your first home can feel like a financial mountain to climb. Here are practical budgeting tips to get your started.

"I can honestly say that I was 100% satisfied and very impressed with the team's knowledge and professionalism, great attitude and would have no qualms about highly recommending your services to anyone searching for this type of service. Well done! Thank You Again!"

"We are in our new home thanks to First Federal Bank! They worked with our builder on making sure everything was in order. I am a detail oriented individual, but even if I wasn’t they were on top of everything. From initial pre-approval to lender package, FFB made this purchase easy. I will be going back to FFB again for future loans and I highly recommend them."

*Official Rules for Backpack Giveaway.

NO PURCHASE IS NECESSARY. CUSTOMER STATUS DOES NOT AFFECT THE PROBABILITY OF WINNING.

1. HOW TO ENTER: Eligible participants (each, an Entrant) may enter during the Sweepstakes period in the following two ways:
a. Participants must have completed the online entry form above from 9:00 AM EST Friday, August 22th, until 5:00 PM EST on Friday, October 31st, 2025, to be considered.
b. Mail a postcard with your first and last name, phone number and email address to First Federal Bank Attn: Stephanie Esposito at 4705 W Hwy 90, Lake City, FL 32055. Your entry date is the date Sponsor receives your entry at this address. Each mail-in entry must be hand printed, mailed individually, and bear sufficient postage. Mailed in entries must be postmarked by October 25th, 2025 to be considered.
2. PRIZE/ODDS: (1 at $170) Stanley® Midi Soft Cooler Bag will be given away to one (1) winner. Sponsor has purchased the prize from an authorized seller. No substitutions or transfer of prize permitted. Winner is responsible for payment of taxes on prize and for any other expenses not specified. Odds of winning depend on the total number of eligible entries received during the giveaway. Stanley® is not participating in this Sweepstakes and the prize is in no way an endorsement to or from Stanley®.
3. ELIGIBILITY: Open to legal residents of the United States, and United States Territories who are 18 years of age or older. Employees and their family members are not eligible to participate or win. Void where prohibited or restricted by law. Contest subject to all applicable federal, state, and local laws and regulations. By participating in this contest, entrants agree to be bound by the rules and regulations, which shall be final. Only one entry per person.
4. HOW TO CLAIM PRIZE: Winner will be notified by telephone or private email message on or about November 3rd, 2025.
5. LIMITATION OF LIABILITY: First Federal Bank is not responsible for printing or typographical errors in any contest related materials or stolen, lost, late, misdirected, damaged, incomplete, or illegible raffle entries. First Federal Bank will have no liability or responsibility for any claim arising in connection with participation in this contest or any prize awarded.
6. WINNER LIST: For name of winner, send a stamped, self-addressed envelope to “First Federal Bank” Contest Winner, 4705 W Hwy 90, Lake City, FL 32055. Requests must be received by 11/12/25.
7. SPONSOR: First Federal Bank is donating the entire prize (valued at $170).
8. PRIVACY POLICY: All information provided to First Federal Bank is held in strict confidence and will not be given to a third party. Any information sent to, shared with, or collected by the Sponsor in connection with the Sweepstakes shall be subject to Sponsors Privacy Policy, for more information on our privacy practices, and how we are committed to protecting and respecting your privacy, please review our Privacy Policy. Completing the entry form also constitutes your consent to opt-in to Sponsor’s email marketing list. You may opt-out of the Sponsor’s email marketing list at any time, by using the “unsubscribe” link included in the email. If you decide to opt-out, this will not affect your ability to enter the Sweepstakes or your odds of winning the prize in the Sweepstakes.