The Mutual Advantage

First Federal’s Mutual Model and Its Local Impact
Scrap Metal Bison by Julio Jiminez
Scrap Metal Bison by Julio Jiminez, Source: Italian Street Painting Marin

Community-Centric Banking

The Unique Legacy of First Federal as California’s Only Mutual Institution

First Federal is the sole remaining mutual institution headquartered in California. A mutual association is very different from stock ownership banks in that we are mutually owned for the benefit of our community, depositors, and borrowers. Being mutually owned means we are controlled locally, so our management team and directors make business decisions that reflect the needs of our communities and help them prosper.

First Federal Earns 5-Star Bauer Rating

BauerFinancial has been analyzing and reporting on the nation’s banks since 1983 providing ratings you can trust. Earning a 5-Star rating from Bauer indicates that First Federal is one of the strongest banks in the nation. We’ve been around since 1963 and have seen the ups and downs in the industry but, one thing is constant, as a community bank, our strength and stability have always allowed us to excel even in the toughest times.

BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution can pay for or opt out of a BauerFinancial rating. Consumers may obtain free star-ratings by visiting bauerfinancial.com.

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