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 First Federal Bank Lake City, FL Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 13, 2026
You can compare First Federal Bank Lake City, FL rates to other rates in our database, including 12-month CD rates currently at 2.25%, 6-month CD rates at 3.30% and 3-month CD rates at 3.03%. Savings rates are at 0.08% and money market rates are at 3.00%. Mortgage rates on 30-year fixed loans are around 6.31%. All these rates can be compared to First Federal Bank Lake City, FL rates. 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 13.14%. Rates were last updated on 04/13/2026. 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. 
First Federal Bank Lake City, FL Home Equity & HELOC
First Federal Bank Lake City, FL Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
Institution Name
First Federal Bank Lake City, FL
Bank Holding Company
FIRST FEDERAL BCORP MHC
Address
4705 W Us Highway 90,
Lake City, FL 32055 · Columbia
Website
https://www.ffbf.com
FDIC Certificate #
31313
Established
01/01/1961
FDIC Insurance Date
08/09/1989
Domestic Offices
29
Total Branches
30
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 93/100
5.0
Exceptional
Out of 5.0 Stars
13.14%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9030%
Return on Equity (ROE)
13.0300%
Non-Performing Loans (NPL)
0.83%
Total Assets
$4,310,472,000
Total Deposits
$3,204,540,000
Equity Capital
$445,531,000
Net Income
$23,723,000
Headquarters
Lake City
Total Offices
29
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About First Federal Bank Lake City, FLIs First Federal Bank Lake City, FL a safe place to deposit money?Yes, First Federal Bank Lake City, FL is considered a safe financial institution. With a Texas Ratio of 13.136159692336%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does First Federal Bank Lake City, FL operate?First Federal Bank Lake City, FL currently maintains approximately 30 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. Compare to Other Banks
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