Your Bank

Live Local, Bank Local

Here Today. Here Tomorrow.


Since 1957, First Federal has been a local, community bank focused on serving Northern Michigan. And, we plan to stay that way. No changing names, no corporate buyouts, no nonsense. Just real, friendly people providing quality financial products and services.

When you bank with First Federal, your money stays right here in Northern Michigan. We re-invest it into the communities we serve with affordable loans and products that give you the most for your money, and through supporting community events and local organizations.

To us, you’re much more than an account number. People are the real foundation of a community and that’s why we invest in you. 

Ready to switch to a local bank that puts you first? Check out our simple switch kit, it's easy!

More reasons to switch to First Federal:

  • We basically pay you to bank with us. Our Rewards Checking is free checking that rewards you in high interest when you do simple banking activities, like using your debit card. These simple activities save us money, and we pay these savings back to you in the form of high interest payments.  
  • We offer you the same convenience as the mega banks. Some express concern that a community bank like us won’t offer the same services and convenience that a big bank does. Well, we’re happy to lay that concern to rest with a full array of free, electronic services that include online banking, mobile banking, and more.
  • We get to know you. Speaking of service, you’ll enjoy some of the friendliest, get-to-know-you service whenever you visit a First Federal branch. Personalized service is something we pride ourselves on!

See even more reasons why it makes sense to bank locally.