First Federal Financial provides a wide range of financial, banking and investment services to consumers and businesses in North Carolina. The firm serves as the holding company for First Federal Bank. The bank offers checking, savings and money market accounts, certificates of deposit, debit cards and overdraft protection. Its lending capabilities include automotive, home equity, real estate and construction loans, as well as lines of credit. First Federal s online module enables clients to access accounts, pay bills and customize financial services. The organization is a member of the Federal Deposit Insurance Corporation. It is based in Dunn, N.C.