Welcome to community banking

There’s a lot to be said for working with a hometown bank. It’s a place where people know you by name. A place where people understand you and provide the appropriate products and services. Most importantly, it’s a place where people take time to listen to you, your needs, and your goals. That place is First Federal.

Homeowner Affordability and Stability Plan

On February 18, 2009 President Barack Obama unveiled the framework for his Administration’s Homeowner Affordability and Stability Plan. This initiative is designed to provide refinancing assistance to millions of Americans which is anticipated to reduce the number of foreclosures and begin the stabilization of property values. The outline of the plan was announced, however, the various products are not available at this time as President Obama’s Administration is in the process of developing the guidelines for the plan and expects to announce these guidelines by Wednesday, March 4, 2009.
In an effort to provide our customers with as much information as possible about this plan we have created a link to an article written by the American Bankers Association that provides an outline of the plan as well as frequently asked questions and answers about the plan. To review this information please click on the links provided. Thank you.

American Bankers Association/Consumers

Questions and Answers from American Bankers Association

FDIC Insurance Coverage & First Federal

Master Card Secure Code Registration

Certificate of Deposit Specials

Employment Opportunities

Report Lost or Stolen ATM & Debit Cards

Community Reinvestment Act-First Federal of Northern Michigan's rating