Bank Branches › Closed and merged banks › Kentucky › First Federal Bank for Savings of Northern Kentucky
What happened to First Federal Bank for Savings of Northern Kentucky?
First Federal Bank for Savings of Northern Kentucky in Covington, KY (earlier called First Federal Savings and Loan Association) merged into The Huntington Bank, Inc. of Cincinnati, OH on Dec 16, 1994. After 1 more change of hands, what was First Federal Bank for Savings of Northern Kentucky is today part of The Huntington National Bank (Columbus, OH).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1910First Federal Savings and Loan Association opens in Covington, KY
- Dec 3, 1991renamed First Federal Bank for Savings of Northern Kentucky
- Dec 16, 1994MERGEDFirst Federal Bank for Savings of Northern Kentucky merged into The Huntington Bank, Inc. of Cincinnati, OH.FDIC certificate 28113 ends; its business continues under certificate 9680.
- Oct 27, 1995MERGEDThe Huntington Bank, Inc. (by then renamed The Huntington National Bank of Kentucky) of Cincinnati, OH merged into The Huntington National Bank of Columbus, OH.FDIC certificate 9680 ends; its business continues under certificate 6560.
- TodayOPEN
The Huntington National BankMain office Columbus, OH · FDIC certificate 6560 · 1,452 offices in 21 states on June 30, 2026Every The Huntington National Bank office → Website on file with the FDIC: www.huntington.com
If you still have something from First Federal Bank for Savings of Northern Kentucky
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Federal Bank for Savings of Northern Kentucky as lienholder, start with The Huntington National Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask The Huntington National Bank to search for the account under the name First Federal Bank for Savings of Northern Kentucky. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask The Huntington National Bank which branch now holds boxes from the First Federal Bank for Savings of Northern Kentucky office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
8 offices filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 3517 Decoursey AveLatonia, KY | OpenThe Huntington National Bank |
| 3715 Dixie HighwayElsmere, KY | No longer reported |
| U S #25 Route #1Walton, KY | No longer reported |
| Fifth & Main StreetsCovington, KY | No longer reported |
| 538 Buttermilk PikeCrescent Springs, KY | No longer reported |
| 3044 Dixie HighwayErlanger, KY | No longer reported |
| Main Street & Carrie WayIndepencence, KY | No longer reported |
| 8053 Burlington PikeFlorence, KY | No longer reported |
Banks folded into First Federal Bank for Savings of Northern Kentucky
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Rosedale Federal Savings and Loan Association of CovingtonErlanger, KY | Apr 30, 1989 |
| Union Savings and Loan AssociationCovington, KY | Apr 30, 1980 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 28113 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.