Naturally, we didn't achieve this growth by chance. We did it by tailoring our financial products and services to the particular needs of our customers, and delivering them with friendly, professional service. That's why we can count over 120,000 households from Hilton Head to Charleston to Myrtle Beach, and on up into Wilmington, N.C., among our customers.

Convenience had much to do with our success as well. In addition to one of the most extensive ATM networks in the Lowcountry, our customers have access to Telebanker, our automated 24/7 phone service, and First Federal Online, our Internet banking service. Over the last ten years we've opened full-service banking offices in Wal-mart Supercenters, Kroger and Lowes Food Stores where First Federal customers can bank seven days a week. First Federal is a leading mortgage lending specialist in the area, providing its customers with some of the most competitive terms and rates available.

For business owners, First Federal offers an array of checking and cash management services, construction loans, asset based financing and unsecured lines of credit.

Every bank offers checking and savings, mortgages, CDs and consumer loans, but First Federal can connect you with expert insurance, investment and trust assistance through our family of affiliate companies.

First Southeast Insurance Services offers all forms of coverage from property and casualty to health insurance, for both businesses and individuals. First Southeast Investor Services, located right in our branches, can give you access to virtually every investment available through any financial market.

Whatever your banking needs, First Federal can meet them. And we'd be privileged to have you as one of our customers.

First Federal Family of Companies

First Southeast Investors Services, Inc.
First Southeast Insurance Services, Inc.
Associated Insurors/First Southeast Insurance Services, Inc.
Kinghorn Insurance Services, Inc.
Kimbrell Insurance Group
Johnson Insurance Associates, Inc.
Atlantic Acceptance Corporation
Somers-Pardue Insurance Services
Benefit Administrators, Inc.

*First Southeast Investor Services is a member FINRA/SIPC. Securities offered by First Southeast Investor Services are: • Not First Federal deposits • Not guaranteed by any government agency • Not FDIC Insured • Not Bank Guaranteed • May Lose Value