3.81% APY1
Cash Management Account

Offer for new customers who open a personal Cash Management Account. Fixed Until 12/31/2026. Minimum Opening Balance $50,000.

PLUS 

2.02% APY2
Elite Checking Account

Offer for new customers who open a personal Elite Checking account. Fixed Until 12/31/2026. 

 

 

Ready to get started?

Let's talk and see how First Federal Bank can provide quality and tailored banking services that are focused on you.
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Meet your Jacksonville team

latanya


LaTanya Jackson
Financial Center Manager

(904) 398-7859 Ext. 50291
JacksonL@ffbf.com

Christian-Huertas-Web


Christian Huertas
Community Lending Loan Officer  |  NMLS 2653916

(904) 398-7859 Ext. 50135
HuertasC@ffbf.com

Jax-Mortgage-Office

Full-Service Banking

We’re thrilled that our new full-service branch is now open.  Visit us from 9 am to 4 pm, Monday through Friday at 9700 Touchton Rd, Jacksonville, FL! Conveniently located near the Town Center, First Federal Bank is committed to providing personalized banking solutions with the hometown service you deserve.

Whether you need personal or business banking, mortgages, or a personal loan, our experienced team is ready to help. 

Check out our new limited time account offers below to celebrate the grand opening.

1) Cash Management Account: $50,000 minimum opening balance and a promotional Elite Checking account required. A $14.00 service charge is assessed monthly if the daily balance drops below $2,500. Balances of $9,999.99 and below will earn no interest. Balances of $10,000 - $49,999.99: interest rate of 2.00% with an annual percentage yield (APY) of 2.02%. Balances of $50,000 - $999,999.99: interest rate of 3.75% with an APY of 3.81%. Balances of $1,000,000 and above: interest rate of 4.00% with an APY of 4.08%. The interest rate and APY will remain fixed until 12/31/2026. The interest rate and APY may change after opening if a promitional Elite Checking account is not maintained through 12/31/2026. After 12/31/2026 the interest rate and APY will revert to the bank’s standard rate for Cash Management Accounts. Fees may reduce earnings. 2) Elite Checking Account: $50.00 or more minimum opening balance required. A $13.00 service charge is assessed monthly if the daily balance drops below $5,000 or if loan/deposit relationship drops below $25,000. Paper statement fee is waived until 12/31/2026. A $2.00 paper statement fee will be incurred on the account after 12/31/2026. Balances of $0 - $4,999.99 earns no interest, balances of $5,000 and above earns an interest rate of 2.00% and an APY of 2.02%. The interest rate and APY will remain fixed until 12/31/2026. After 12/31/2026 the interest rate will revert to the bank’s standard rate for Elite Accounts. Fees may reduce earnings.  

Offer is limited to new First Federal Bank customers who open an account in person at our Jacksonville branch, located at 9700 Touchton Rd. Jacksonville, FL 32216 or our Starke branch, located at 841 S Walnut Street, Starke, FL 32091 by 12/31/2026. Accurate as of 04/08/2026. Existing customers and accounts opened online are not eligible. Offer may not be combined with any other promotional offers, bonuses, or incentives unless expressly stated, and is subject to change or discontinuation at any time without notice.