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First Federal Bank Lake City, FL

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First Federal Bank Lake City, FL Rates & Review November 2026

Q: What are the current interest rates at First Federal Bank Lake City, FL?

Current rates for First Federal Bank Lake City, FL include: 12-Month CD: 1.03%, 18-Month CD: 1.05%, 24-Month CD: 1.05%, 36-Month CD: 1.05%, 48-Month CD: 1.05%, 60-Month CD: 1.05%, Savings: 0.03%

Q: What CD terms does First Federal Bank Lake City, FL offer?

First Federal Bank Lake City, FL CD rates are 1.07% APY for a 12 month CD, 1.07% APY for an 18 month CD, 1.07% APY for a 2 year CD, 1.07% APY for a 3 year CD, 1.07% APY for a 4 year CD and 1.05% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Federal Bank Lake City, FL for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

First Federal Bank Lake City, FL's 12-Month CD rates are at 1.07%, 18-Month CD rates are at 1.07%, 24-Month CD rates are at 1.07%, 36-Month CD rates are at 1.07%, 48-Month CD rates are at 1.07%. First Federal Bank Lake City, FL's savings rates are at 0.03%. First Federal Bank Lake City, FL's checking rates are as high as 0.03%. First Federal Bank Lake City, FL's Personal Loan Rates are as low as 14.90%. First Federal Bank Lake City, FL's Credit Card Rates are at 14.90%. First Federal Bank Lake City, FL's top CD rate of 1.07% APY on a 12 month CD is 65% lower than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Federal Bank Lake City, FL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.10%. Rates last updated and verified on 11/05/2026.

First Federal Bank Lake City, FL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Federal Bank Lake City, FL? Share your experience about First Federal Bank Lake City, FL by leaving a review below, or read customer reviews before you decide to use First Federal Bank Lake City, FL.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.10%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Federal Bank

4705 W Us Highway 90
Lake City, FL 32055

https://www.ffbf.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First Federal Bank Lake City, FL CD Rates

Product	Rate	APY	Term
12-Month CD	-	1.07%	12 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18-Month CD	-	1.07%	18 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
182 Day CD	-	1.07%	182 days
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24-Month CD	-	1.07%	24 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36-Month CD	-	1.07%	36 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
48-Month CD	-	1.07%	48 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
60-Month CD	-	1.07%	60 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12-Month CD	-	1.06%	12 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18-Month CD	-	1.06%	18 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24-Month CD	-	1.06%	24 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36-Month CD	-	1.06%	36 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
48-Month CD	-	1.06%	48 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
60-Month CD	-	1.06%	60 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18-Month CD	-	1.05%	18 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18-Month CD	-	1.05%	18 months
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18-Month CD	-	1.05%	18 months
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24-Month CD	-	1.05%	24 months
Min Balance $1,000 Details Balance: 1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24-Month CD	-	1.05%	24 months
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24-Month CD	-	1.05%	24 months
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36-Month CD	-	1.05%	36 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36-Month CD	-	1.05%	36 months
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36-Month CD	-	1.05%	36 months
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
48-Month CD	-	1.05%	48 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
48-Month CD	-	1.05%	48 months
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
48-Month CD	-	1.05%	48 months
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
60-Month CD	-	1.05%	60 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
60-Month CD	-	1.05%	60 months
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
60-Month CD	-	1.05%	60 months
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
182 Day CD	-	1.04%	182 days
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12-Month CD	-	1.03%	12 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12-Month CD	-	1.03%	12 months
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12-Month CD	-	1.03%	12 months
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
182 Day CD	-	1.01%	182 days
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
182 Day CD	-	1.01%	182 days
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
182 Day CD	-	1.01%	182 days
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
91 Day CD	-	1.01%	91 days
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
91 Day CD	-	0.99%	91 days
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.99% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
30 Day CD	-	0.94%	30 days
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.94% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
30 Day CD	-	0.94%	30 days
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.94% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
91 Day CD	-	0.93%	91 days
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.93% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
91 Day CD	-	0.93%	91 days
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.93% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
91 Day CD	-	0.93%	91 days
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.93% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
30 Day CD	-	0.92%	30 days
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
30 Day CD	-	0.92%	30 days
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
30 Day CD	-	0.92%	30 days
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

First Federal Bank Lake City, FL Savings Rates

Product	Rate	APY
Health Savings Account	-	0.03%
Min Balance $10,000 Details Balance: $10,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Health Savings Account	-	0.01%
Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Health Savings Account	-	0.01%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Student Saver	-	0.01%
Min Balance $5 Details Balance: $5.00 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Vacation / Christmas Club Savings	-	0.01%
Min Balance $1,000 Details Balance: $1,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

First Federal Bank Lake City, FL Business Savings Rates

Product	Rate	APY	View More
Personal or Business Savings	-	0.01%
Min Balance $1,000 Details Balance: $1,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

First Federal Bank Lake City, FL Checking Rates

Product	Rate	APY
Elite Checking	-	0.03%
Min Balance $50,000 Details Balance: $50,000.00 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Elite Checking	-	0.01%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Elite Checking	-	0.01%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Interest Checking	-	0.01%
Min Balance $5,000 Details Balance: $5,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

First Federal Bank Lake City, FL Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Vehicle Loan	-	-	6.73%
Details Qualifications Required: Credit score 720+; personal checking account; automatic payments; As Low As; APR on new vehicles for well-qualified borrowers; minimum loan $5,000, maximum $100,000; requires credit score of 720 or higher, First Federal Bank personal checking account and automatic payments Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.73% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

First Federal Bank Lake City, FL Credit Card Rates

Product	Rate	APR
Business Classic Credit Card	-	14.90%
Details Fixed APR; No annual fee; Minimum credit limit $5,000; Maximum credit limit $35,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Business Rewards Credit Card	-	14.90%
Details Annual fee $49.99; Earn 1.25 points on everyday purchases; Minimum credit limit $5,000; Maximum credit limit $35,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Personal Classic Credit Card	-	14.90%
Details Fixed APR; No annual fee; Minimum credit limit $2,500; Maximum credit limit $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Rewards Credit Card	-	14.90%
Details Fixed APR; Annual fee $49.99; Earn 3 points per $1 on airline purchases, 2 points per $1 on hotel reservations, 1 point per $1 on everyday purchases; Minimum credit limit $5,000; Maximum credit limit $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

First Federal Bank Lake City, FL Personal Loan Rates

Product	APR	Term	View More
Personal Classic Credit Card	14.90%
Details Fixed APR; No annual fee; Minimum credit limit $2,500; Maximum credit limit $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

First Federal Bank Lake City, FL Other Rates

Product	Rate	Points	APY/APR
Commercial Real Estate Loan	-	-	7.15%
Details Qualifications Required: Open business account; automatic payments; eStatements enrollment; Tiered fixed rate of 7.15% APR for first 2 years, then repricing every 3 years based on 3-year CMT plus 275 basis points; 0.5% origination fee; new business customers only; requirements: open business account, sign up for automatic payments, enroll in eStatements (rate increases 0.25% for each requirement not met) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
SBA Loan	9.375%	-	9.375%
Details Qualifications Required: First Federal Bank business checking account; auto debit; Fixed interest rate available to those who qualify; maximum loan amount based on SBA eligibility criteria; First Federal Bank business checking account and auto debit required; rate updated October 1, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Cash Management Account (Personal or Business)	-	-	0.01%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Cash Management Account (Personal or Business)	-	-	0.16%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Cash Management Account (Personal or Business)	-	-	0.53%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.53% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Cash Management Account (Personal or Business)	-	-	0.74%
Min Balance $250,000 Details Balance: $250,000 - $749,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.74% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Cash Management Account (Personal or Business)	-	-	0.87%
Min Balance $750,000 Details Balance: $750,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Cash Management Account (Personal or Business)	-	-	1.08%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Out of Market CD	-	-	0.01%
Min Balance $20,000 Details Balance: $20,000 and up Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Federal Bank Lake City, FL’s Texas Ratio fell from 2.71% in Q3 2023 to 1.10% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.5B	1.10%	5.0	A+
March 31, 2026	$4.4B	1.41%	5.0	A+
December 31, 2025	$4.3B	2.15%	5.0	A+
September 30, 2025	$4.1B	2.02%	5.0	A+
June 30, 2025	$4.2B	1.29%	5.0	A+
March 31, 2025	$4.0B	1.81%	5.0	A+
December 31, 2024	$3.8B	1.75%	5.0	A+
September 30, 2024	$3.9B	1.77%	5.0	A+
June 30, 2024	$4.2B	2.52%	5.0	A+
March 31, 2024	$3.9B	2.58%	5.0	A+
December 31, 2023	$3.9B	1.86%	5.0	A+
September 30, 2023	$3.7B	2.71%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Federal Bank Lake City, FL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Federal Bank Lake City, FL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Federal Bank Lake City, FL's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First Federal Bank Lake City, FL

Website https://www.ffbf.com

Address 4705 W Us Highway 90, Lake City, FL 32055 · Columbia

Bank Holding Company FIRST FEDERAL BCORP MHC

FDIC Certificate # 31313

Regulator OCC

Established January 1, 1961

FDIC Insurance Date August 9, 1989

Domestic Offices 30

Total Branches 29

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.10%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1934%

Return on Equity (ROE)

11.6100%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

$4,485,958,000

Total Deposits

$3,438,371,000

Equity Capital

$465,828,000

Net Income

$26,213,000

Headquarters

Lake City

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First Federal Bank Lake City, FL earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About First Federal Bank Lake City, FL

Does First Federal Bank Lake City, FL offer CDs?

Yes. First Federal Bank Lake City, FL current CD rates include its 12-Month CD at 1.07% APY, its 18-Month CD at 1.07% APY and its 24-Month CD at 1.07% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First Federal Bank Lake City, FL FDIC insured?

Yes. First Federal Bank Lake City, FL is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Federal Bank Lake City, FL?

The highest First Federal Bank Lake City, FL CD rate is its 12-Month CD at 1.07% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First Federal Bank Lake City, FL offer?

First Federal Bank Lake City, FL CD rates are 1.07% APY for a 12 month CD, 1.07% APY for an 18 month CD, 1.07% APY for a 2 year CD, 1.07% APY for a 3 year CD, 1.07% APY for a 4 year CD and 1.05% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Federal Bank Lake City, FL for its full lineup.

What is the highest savings rate at First Federal Bank Lake City, FL?

The highest First Federal Bank Lake City, FL savings rate is its Health Savings Account at 0.03% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at First Federal Bank Lake City, FL?

The highest First Federal Bank Lake City, FL checking rate is its Elite Checking at 0.03% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at First Federal Bank Lake City, FL?

The lowest First Federal Bank Lake City, FL auto loan rate is its New Vehicle Loan at 6.73% APR, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at First Federal Bank Lake City, FL?

The lowest First Federal Bank Lake City, FL personal loan rate is its Personal Classic Credit Card at 14.90% APR, verified by MonitorBankRates as of November 5, 2026.

What is the lowest credit card APR at First Federal Bank Lake City, FL?

The lowest First Federal Bank Lake City, FL credit card APR is its Business Classic Credit Card at 14.90% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does First Federal Bank Lake City, FL operate?

First Federal Bank Lake City, FL currently maintains approximately 29 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Federal Bank Lake City, FL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Federal Bank Lake City, FL provides members with tools to manage their accounts and build a solid financial history.

Does First Federal Bank Lake City, FL offer online and mobile banking?

Most modern institutions like First Federal Bank Lake City, FL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ffbf.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Federal Bank Lake City, FL rates compare?

First Federal Bank Lake City, FL's top CD rate of 1.07% APY on a 12 month CD is 65% lower than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. First Federal Bank Lake City, FL's top rates are its 12-Months 12-Month CD at 1.07% APY, its Health Savings Account at 0.03% APY, its Elite Checking at 0.03% APY, its Personal Classic Credit Card at 14.90% APR and its Business Classic Credit Card at 14.90% APR, verified by MonitorBankRates on November 5, 2026.

Current First Federal Bank Lake City, FL Rates

12-Month CD1.03%
18-Month CD1.05%
24-Month CD1.05%
36-Month CD1.05%
48-Month CD1.05%
60-Month CD1.05%
Savings0.03%

Retrieved from our database of financial products. Rates subject to change.

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First Federal Bank Lake City, FL Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Federal Bank Lake City, FL Texas Ratio

First Federal Bank Lake City, FL Health Trend

First Federal Bank Lake City, FL CD Rates

First Federal Bank Lake City, FL Savings Rates

First Federal Bank Lake City, FL Business Savings Rates

First Federal Bank Lake City, FL Checking Rates

First Federal Bank Lake City, FL Auto Loan Rates

First Federal Bank Lake City, FL Credit Card Rates

First Federal Bank Lake City, FL Personal Loan Rates

First Federal Bank Lake City, FL Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First Federal Bank Lake City, FL earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Federal Bank Lake City, FL

Does First Federal Bank Lake City, FL offer CDs?

Are CDs from First Federal Bank Lake City, FL FDIC insured?

What is the highest CD rate at First Federal Bank Lake City, FL?

What CD terms does First Federal Bank Lake City, FL offer?

What is the highest savings rate at First Federal Bank Lake City, FL?

What is the highest checking rate at First Federal Bank Lake City, FL?

What is the lowest auto loan rate at First Federal Bank Lake City, FL?

What is the lowest personal loan rate at First Federal Bank Lake City, FL?

What is the lowest credit card APR at First Federal Bank Lake City, FL?

How many branches does First Federal Bank Lake City, FL operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Federal Bank Lake City, FL offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Federal Bank Lake City, FL rates compare?

Current First Federal Bank Lake City, FL Rates

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