First Federal Savings and Loan Association of Hammond, with asset of more than $40 million, is a chartered financial institution that serves customers in Lake County in Indiana. Established in 1934, the bank offers customers a variety of bank products and services, including checking accounts, CDs, business services, IRAs, money market accounts, mortgages and construction loans. First Federal Savings has offices in Hammond and Highland, Ind. The bank has been awarded the Five-Star SUPERIOR rating by Bauer Financial Reports for being one of the safest financial institutions in the United States for 17 consecutive years. First Federal is a member of America s Community Bankers of America, the Federal Home Loan Bank of Indianapolis and the Indiana Bankers Association.