Kentucky First Federal Bancorp operates as the holding company for First Federal Savings and Loan Association of Hazard, and First Federal Savings Bank of Frankfort, which provides various financial products and services in Kentucky and Perry County. It engages in generating deposits from the general public and originating adjustable-rate loans. The company's deposit products include savings accounts, certificate accounts, checking accounts, and individual retirement accounts. Its loan portfolio comprises residential mortgage loans, construction loans, multi-family and nonresidential loans, and consumer loans. The company is based in Hazard, Kentucky.