In 1962, a group of businessmen in a small town in North Florida united together to form First Federal Savings and Loan Association of Live Oak, as a way to provide home loans and savings accounts to their neighbors. First Federal’s business lines all share the common thread of being passionately committed to helping the neighbors and local communities thrive. Bank offers a range of products and services aimed at giving the customers all the financial tools they need for easy personal and business banking.