What is a Mutual Bank

See what mutual banking means to the community.

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COVID-19 Updates

Learn more about our response to COVID-19, branch banking updates, PPP Loan Forgiveness and more.

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Mortgage Rates

We've got the great rate you've been waiting for. And our experienced Mortgage Loan Originators can help you navigate every step of the process – from finding the right loan for your needs, right up to the day you first walk through your new front door.

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Purchase Mortgage Rates
Type Interest Rate APR
15 Year Fixed 2.500% 2.704%
20 Year Fixed 2.775% 2.933%
30 FHA Fixed 2.750% 4.115%
30 Year Fixed 2.875% 2.987%
5/1 ARM 2.750% - 3.625% 3.178%

Personal Checking Accounts

We have the account you've been looking for!

  • Free Access to 32,000 ATMs
  • Free Mobile App
  • Free eStatements 
  • Free Bill Pay
  • Free Online Banking
  • Free Thank You Gift

What Makes Us Different from Other Banks

Business banking with features to help your business thrive

Banking with a community focus

Home loans that turn a dream home into a dream come true

What Our Community Says

Very impressed with the Scott Parker, great follow up extremely helpful. The staff at Avon branch has been awesome as well. Everyone there has been helpful, professional, personable, great customer service skills.

Paul and Kristine F.

First Federal Lakewood was willing to work with me as a new business owner when other banks would not. Not only was I able to get a loan but Chalana Williams and Tiffany Cardenas have been great partners.

Owner Windermere In and Out

Financial Literature


5 Steps to a Successful First Time Home Buyer Experience

The hallmark moments in our lives -- the ones that truly change our trajectory – are celebrated down every greeting card aisle in America.


Keeping Your Mobile Phone Secure

Your phone contains sensitive information about you, your finances, and your family. It is critical to protect this information from falling into the wrong hands.


Helping Your Parents with their Finances

None of us like to think about our parents getting older and needing our help. However, it is a fact of life that as parents age, they will inevitably need you to step in and get involved with their finances.


Keeping Your Business & Personal Finances Separate

Every accountant will tell you the same thing: always keep your business and personal expenses separate.