Kentucky First Federal wants to be second to none for banking in the Bluegrass State. It was formed in 2005 to be the holding company for First Federal Savings and Loan of Hazard and First Federal Savings Bank of Frankfort (acquired in 2005), which operate three branches in the state's capital and one in the town of Hazard. The banks offer traditional deposit products, such as checking and savings accounts, NOW and money market accounts, and CDs. Lending is focused on residential mortgages, but the banks also offer loans secured by churches and commercial real estate, as well as consumer and construction loans. First Federal MHC, a mutual holding company, owns more than 60% of Kentucky First Federal.