About Us

Mission, Vision And Core Values

We set the standard for excellence in Community Banking. We're committed to knowing our customers and communities, so we can provide them with innovative solutions that help meet their financial goals and achieve their dreams. We deliver the best banking experience anywhere, with a 'home town' touch.


Through service, leadership and strong financial performance, we...

  • Put our resources to work strengthening communities and supporting local business.
  • Deliver banking services that support customer convenience and choice
  • Attract, develop and retain phenomenal talent who love their jobs and love where they live.

Core Values

Community: With a deep sense of appreciation and responsibility to the communities we serve, we work towards improving the life and experience of others through our contributions and volunteer activities.

Excellence: We take personal ownership in our company and its future success, and are willing to put our full heart and mind into being the best.

Collaboration: Recognizing that we are stronger and more effective when we work together, we actively foster healthy internal and external partnerships to accomplish our mission.

Integrity: We are committed to honesty, respect, fairness and straightforwardness in our communication and conduct, so that we can earn the trust and confidence of our community and take pride in where we work.

Accountability: We take individual responsibility for meeting and exceeding professional and ethical standards for employee and customer relations, fiscal management, and operational soundness.

Our History

First Federal is the only community bank headquartered on the North Olympic Peninsula. We opened our doors in 1923 under the name of Lincoln Savings and Loan. As time went on many things changed: Our name, our size, and the ever-growing list of products and services that we offer. We know you will find that our commitment to our communities, to our customers, and to our staff has remained strong.

We made our first home loan on April 18, 1923, for $500. The proud new owners had a payment of $10.82 per month, wood heat, no electricity and no indoor plumbing!  During the lean times of the 1930's we continued to pay dividends to our savings accounts and to make the loans which contributed to the stability and growth of our communities. In the 1940's, First Federal sold war bonds and made money available to returning veterans through the Soldier's and Sailor's Civil Relief Act.

First Federal has continued to grow along with the financial needs of our area.  Our reason for existence is to supply the community with a safe and sound bank where we encourage savings and invest those savings by making loans to you and your neighbors. This philosophy, and business style has helped people prosper in our community for over 93 years.


Today we are 10 locations strong, serving Clallam, Jefferson, Kitsap and Whatcom Counties from Forks to Port Townsend to Silverdale to Bellingham. First Federal is rooted in the values and traditions that have strengthened our communities, and to this day continues its commitment to provide the best in financial services and community support, because we are community people!


2015 Board Of Directors

First Federal Board of Directors

  • Stephen Oliver, Chairman
  • Dave Blake, Vice-Chairman
  • Dana Behar
  • Craig Curtis
  • Lloyd J. Eisenman
  • Cindy Finnie
  • David T. Flodstrom
  • Larry J. Hueth
  • Norman Tonina
  • Jennifer Zaccardo

First Federal Officers

Chairman, Board of Directors Stephen Oliver
Vice Chairman, Board of Directors David Blake
President and Chief Executive Officer Larry Hueth
Executive Vice President/Chief Operations Officer Jeff Davis
Executive Vice President/Chief Credit Officer Chris Donohue
Executive Vice President/Chief Banking Officer Kelly Liske
Executive Vice President/Chief Financial Officer/Treasurer Regina M. Wood
Senior Vice President/Chief Information Officer Brett Bies
Senior Vice President/Chief Risk Officer/Compliance and BSA Officer Ed Brady
Senior Vice President/Director of Human Resources Derek Brown
Senior Vice President/Chief Administrative Officer/Corporate Secretary Joyce L. Ruiz
Vice President/Fiscal and Budget Analyst Jacob Beaty
Vice President/Business Intelligence & System Application Manager Michelle Catton
Vice President/Retail Operations Manager Lisa Due
Vice President/Commercial Relationship Manager Adam Finfer
Vice President/Operations-Electronic Delivery Manager Tyanna Gadbaw
Vice President/Loan Operations Manager Jackie Gold
Vice President/Internal Audit Manager Gloria S. Hacko
Vice President/Organizational Learning and Development Manager Diane Harrison
Vice President/Mortgage and Consumer Credit Manager David Henry
Vice President/Commercial Credit Administrator Michael Henry
Vice President/Commercial Relationship Manager Dale Holt
Vice President/Marketing and Corporate Communications Manager Jeanine Lee
Vice President/Commercial Relationship Manager John Locke
Vice President/Compliance Manager Dawn Luchsinger
Vice President/Commercial Relationship Manager Jon Murock
Vice President/Controller Christie Sharpe
Vice President/Facilities Manager Kent Sommerfeld
Assistant Vice President/Human Resources Manager Ben Spicer
Vice President/Human Resources Manager
Ben Spicer
Vice President/Director of Retail Banking Dawnya Textor
Vice President/Director of Mortgage Lending Ross Thomas
Vice President/Mortgage and Consumer Credit Manager Kendra C. Waggoner
Vice President/Secondary Market Manager Teresa Ward
Vice President/Director of Lending Donn Wiley
Vice President/Bellingham Market Area Manager Troy Wills
Assistant Vice President/Sequim Village Branch Manager Anthony Aceto
Assistant Vice President/Compliance Specialist Anna Coburn
Assistant Vice President/Eastside Branch Manager Elizabeth Halady
Assistant Vice President/Information Security Officer John Leahy
Assistant Vice President/Port Townsend Branch Manager Laurie Liske
Assistant Vice President/Commercial Relationship Manager I Jesse Long
Assistant Vice President/Assistant Controller Stan McClelland
Assistant Vice President/Loan Officer NMLS# 162954 Julie Myers
Assistant Vice President/Commercial Relationship Manager Kasi O'Leary
Assistant Vice President/Chief Appraiser Lisa J. Pluard
Assistant Vice President/IT Supervisor Travis Russell
Assistant Vice President/Loan Officer NMLS# 463131 Shawnee Spencer
Assistant Vice President/Silverdale Branch Manager KristiAnn Stecker
Assistant Vice President/Sequim Avenue Branch Manager Shenna Straling-Younger
Assistant Vice President/Forks Branch Manager Angela Voyles
Assistant Vice President/Loan Officer NMLS# 413367 Terri M. Wood


Annual Reports

2013 Annual Report

2014 Annual Report 

2015 Annual Report


Press Releases

Whatcom Dispute Resolution Center Check Presentation
Peninsula Behavioral Health
Dream Playground Foundation
Race to Alaska (R2AK) and Woodedn Boat Festival
First Federal Hosts Business Workshop "Writing a Business Plan"
First Federal Announces New Board Member
First Federal Announces Ross Thomas as Director of Mortgage Lending
First Federal Announces Bellingham Branch Opening
First Federal Announces Director of Human Resources
First Federal Community Foundation Begins Operations
First Federal Announces Market Area Manager in Bellingham, WA
First Federal Announces Internal Promotions at Forks Branch
First Federal Announces New Branch Manager in Port Angeles
First Federal Announces New Commercial Lenders
First Federal Supports Nature Bridge
First Federal Announces Appointment of Business Development Officer
First Federal Receives EDC Recognition
First Federal Announces Member Approval of Conversion 
First Federal Announces New Branch Manager in Port Angeles
First Federal Announces Results of Stock Offering; Extends Voting Period for Members 
First Federal Announces Universal Banker in Silverdale
First Northwest Bancorp To Commence Stock Offering As Part Of First Federal Of Port Angeles' Mutual To Stock Conversion 
First Federal Welcomes new Bank Operations Officer


Online Banking


Business Online Banking


Contact Us

Our Contact Center representatives are available:
Mon-Fri 7:00 am - 7:00 pm
Sat 9:00 am - 1:00 pm
Toll Free
1 (800) 800-1577
(360) 417-3204

Chat with us!

  • PO Box 351
    105 West Eighth Street
    Port Angeles, WA 98362
    Routing #: 325170848
    Phone #: (360) 457-0461

  • FDIC
  • Equal Housing Lender