Customer Testimonials

We have gone through some very trying times in the last 4 or 5 years, especially in the Construction industry. And the bank in its entirety has stood behind us 100%. We’ve always felt supported. There’s never any question about what our relationship is and that’s very important to us.
John O'Neal
O'Neal Roofing Company


I love all of the people (at the branch)...they know your name and are just helpful. They're just like family, so if I have a question I can pick up the phone and call or email them and they respond. They're looking out for you and your business.

Danette O'Neal
O'Neal Roofing Company


It’s so hard today to find somebody that’s going to do what they tell you they’re going to do, when they say they’re going to do it, for how much they say they’ll do it for, but with First Federal, you can go straight to the horse’s mouth and get an answer and talk to the person who makes the decision and get an answer.
James McClellan
TCB Services


One of the most important things is the trust and confidence we have with decision makers at First Federal and I think they trust us as well. It’s important to talk to those people who trust you as well. So when we approach them, they are not talking to strangers.
Nick Patel
Lake City Hotels


I started banking with First Federal in 2001 and that relationship has done nothing but grown stronger every year. They provide a hometown bank with the technology of a large bank. We’ve had a lot of ease of access and ease of communication with First Federal and I’ve had a lot of good service provided by them.
Waseem Kahn
Cancer Care of North Florida


The bank tends to have a higher quality... the people that we deal with, they tend to be very professional. They take care of business. We’ve never had any problems or questions. It seems like we have a good support base.
John O'Neal
O'Neal Roofing Company


We started banking with First Federal about 3 years ago. Before that, we were with one of the big banks. In our kind of business, you have to have a line of credit, but we weren’t having much success with our big bank. You never knew who you were dealing with past the local branch. So I called First Federal and they said “sure, we’d love to talk to you about it” and it was a done deal within a few days.
James McClellan
TCB Services