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“Work with a bank who understands your residential construction project and a lender who works to make the financing aspect of your project as smooth as possible”

“We believe in helping our community grow. That’s why we offer local builders and future homeowners alike construction loans for residential real estate properties. Best yet, our team is dedicated to helping you every step of the way - allowing you to borrow with confidence!”

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“Construction Loans”

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“Competitive rates for a variety of expenses Repayment terms customized to your business needs Quick, local decision-making and processing Learn More --> -->”

“Meet our business loan experts Find a loan officer in your area Get in touch by phone or email Learn More”

“Competitive rates for the purchase, refinance, or construction of commercial properties”

“Competitive rates for new or used equipment Flexible repayment terms to accommodate your budget Stay ahead of the competition Learn More --> -->”

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“Title policy Copy of survey Homeowners insurance policy × Request Info Your name Email Phone number Zip code Product Of Interest I'm Interested in... My Money Market IRA's CD's ICS and CDARS Business Checking Merchant Services Choose your location Downtown Newark Downtown Newark Landing Gahanna, Ohio Loan Production Office Granville, Ohio Heath, Ohio North Newark Pataskala, Ohio CAPTCHA First Federal Savings may contact you regarding other products and services in the future. You can opt out of these communications at any time. By providing your phone number, you consent to receive SMS messages from First Federal Savings, including account notifications and alerts. SMS consent is not shared with third parties. Message and data rates may apply. Reply STOP to opt out. Privacy Policy × Request info Your name Email Phone number Zip code Product Of Interest I'm Interested in... Refinance Home Loans Home Construction Loans Home Equity Lines CAPTCHA First Federal Savings may contact you regarding other products and services in the future. You can opt out of these communications at any time. By providing your phone number, you consent to receive SMS messages from First Federal Savings, including account notifications and alerts. SMS consent is not shared with third parties. Message and data rates may apply. Reply STOP to opt out. Privacy Policy × Request info Your name Email Phone number Zip code Product Of Interest I'm Interested in... Business Checking Merchant Services Choose your location Downtown Newark Downtown Newark Landing Gahanna, Ohio Loan Production Office Granville, Ohio Heath, Ohio North Newark Pataskala, Ohio CAPTCHA × Request info”

“Sorry…This form is closed to new submissions. × Request info Your name Email Phone number Zip code Product Of Interest I'm Interested in... Merchant Services Choose your location Downtown Newark Downtown Newark Landing Gahanna, Ohio Loan Production Office Granville, Ohio Heath, Ohio North Newark Pataskala, Ohio CAPTCHA FDIC-Insured—Backed by the full faith and credit of the U.S. Government Personal Checking Savings Real Estate Loans Credit Cards Financial Coaching Business Checking Savings Real Estate Loans Merchant Services Credit Cards Contact Us Downtown Newark North Newark Granville Heath Pataskala Gahanna Financial Education Search Apply Today Personal Checking Personal Savings Real Estate Loans Home Equity Lines Credit Cards Login Personal Checking Savings Real Estate Loans Credit Cards Financial Coaching Business Checking Savings Real Estate Loans Merchant Services Credit Cards Contact Us Downtown Newark North Newark Granville Heath Pataskala Gahanna Financial Education Apply Today Personal Checking Personal Savings Real Estate Loans Home Equity Lines Credit Cards Login”

“Rates and APRs below as of 07/13/2026. Product Rate APR Home Equity Line of Credit (HELOC) 1 6.500% 6.500% Home Equity Loan 2 6.375% 6.409% For products not listed above, including government insured, please call (208) 733-4222. 1 HELOC stated Annual Percentage Rate (APR) subject to criteria, including automatic payment from a First Federal checking account. HELOC initial payment is interest-only. Line of credit is accessible for ten years followed by a fifteen-year repayment period. Variable interest rate may increase after consummation. Property insurance may apply. Maximum APR of 18.00%. Borrower may be responsible for third-party costs that may range from $250 to $5,000. Borrower is responsible for appraisal fees on loans exceeding $400,000. In Idaho, the title insurance premium (if applicable) and mortgage recording tax will be based on the maximum amount of the credit line available to you, regardless of how much is advanced to you at any time. Rate quoted is for liens in first position. Loans in second lien position will have higher rates. 2 Rates vary by qualification and term selected. Rate quoted is for liens in first position. Loans in second lien position will have higher rates.”

“Lending Business Loans Commercial Real Estate Loans”

“We will go above and beyond to provide the best financing solutions to fit your project's needs! Speak to an Expert See More Details”

“Rates and APRs below as of 07/02/2026. Loan Term Rate APR* 48-Month 5.576% 5.863% 60-Month 5.576% 5.807% 72-Month 5.576% 5.770% Examples loan terms assume: FICO score >=720 | LTV < 95% | Age of Vehicle <= 6yr (2020 or newer model yr) | *Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing. Rates, terms and fees subject to approved credit. Valid as of 06/15/2026.”

“For West Virginia customers, we offer a subsidiary devoted solely to home loans. Because your home is the heart of what we do. Learn More”

“Residential Construction”

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“Competitive fixed and variable rates for the purchase, refinance, or construction of commercial properties”

“Key Features Competitive Rates Quick Decisions Request Info Details Competitive fixed and variable rates for the purchase, refinance, or construction of commercial properties Available for owner-occupied or investment properties Lending professionals with working knowledge of the local real estate market Attentive, friendly service from start to finish Request Info Questions Share Print Kasasa&reg; Cycle Dates Privacy Policy Notice Disclosures AudioEye Accessibility Careers Routing Number Contact Us Locations & Hours Personal Information Notice Request for Donation or Sponsorship Blog”

“<span style=\&#34;color: rgb(255,255,255);\&#34;><span class=\&#34;body-large\&#34;><span style=\&#34;color: #333333;\&#34;>We specialize in helping developers, investors and business owners move quickly and strategically with financing built around their goals.&nbsp;</span></span></span></p>\r\n&#34;}}" id="text-83bc40ac76" class="cmp-text"> We specialize in helping developers, investors and business owners move quickly and strategically with financing built around their goals. Tailored Lending for Every Project Type</h3>\r\n&#34;}}" id="text-139e0bb6e7" class="cmp-text">”

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