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First Federal opened its first office in downtown Charleston in 1934, and we've been growing ever since. Today, as a division of First Financial Holdings, Inc.'s subsidiary SCBT, we're the third largest financial institution headquartered in South Carolina. First Federal operates 65 financial centers located in Beaufort, Berkeley, Charleston, Dorchester, Florence, Georgetown, Greenville and Horry counties in South Carolina and in Brunswick, New Hanover and Pender counties in coastal North Carolina.


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. 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.

While every bank offers checking and savings, mortgages, CDs and consumer loans, First Federal can also connect you with expert investment and trust assistance through our Wealth Management Group or one of our family companies Minis & Company, Inc. and First Southeast 401(k) Fiduciaries, Inc., both registered investment advisory firms, and First Southeast Investor Services, Inc., our registered broker deal.

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


*First Southeast Investor Services is a member FINRA/SIPC. Securities offered by First Southeast Investor Services and First Southeast 401(k) Fiduciaries are: Not First Federal deposits Not guaranteed by any government agency Not FDIC Insured Not Bank Guaranteed May Lose Value.

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