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We're Proud to Be Jacksonville's Hometown Credit Union

Since 1935, 121 Financial has been a cornerstone in Northeast Florida, helping our members and community to grow and prosper. We offer a full range of banking and financial services, delivered with modern technology and personalized service.

Thirsty Thursdays Have Never Been Better: Free Baseball is Back!

This season, we have planned 10 Free Member Days at 121 Financial Ballpark, including 5 Thirsty Thursdays. Pre-registration required one week prior to game.

It's Play Time!
Get Outside with a New "Toy."

Put a new toy in your driveway when you finance it smart with 121 Financial Credit Union. We've got some of the best rates in town on all the fun toys -- RVs, motorcycles, boats, jet skis, ATVs, even golf carts. Get outside and play!

Savvy Spender.
Hometown Hero.
Swipe right.

The new 121 Financial "Hometown" Credit Cards provide all the purchasing power, rewards, perks, and flexibility of a Big Bank card... but with almost HALF the rates and with 100% investment back into our local community.

Your Money Where Your Mobile is

121 Financial Mobile Banking

Manage your money simply and securely with the 121 Financial mobile banking app— whenever and wherever you are. Available FREE from the Apple App Store and Google Play.

Personal Banking & Lending

PERSONAL ACCOUNT OPTIONS DESIGNED TO PROTECT YOU, YOUR FAMILY, & YOUR FINANCES

Business Banking & Lending

BUSINESS ACCOUNT OPTIONS DESIGNED TO PROTECT YOU, YOUR BUSINESS, & YOUR EMPLOYEES

WE’VE GOT YOUR BACK WHEN IT COMES TO Financially NAVIGATING LIFE’S BIGgest MOMENTS

Buy Your Dream Home

Find your perfect financial fit in a variety of mortgage loan options at lower rates than the big banks and larger mortgage companies.

Repair or Build Credit

Whether you're just entering into the world of credit for the first time, or looking to repair and increase your score, we've got your back.

Start or Grow a Business

Experience the care that comes along with choosing a credit union that advocates passionately for local and small businesses.

Build Your Nest Egg

There aren't too many things that feel better than having financial security. We can help you meet your short and long term goals.

Get to know your friendly neighborhood 121 team members!

Meet: Joshua Keyes

Financial Advisor at 121 Financial

Our resident financial advisor details how he he works with members who are nervous about investing or new to it all.

THE 121 FINANCIAL BLOG

Trusted Financial Advice and The Latest News from Your Hometown Credit Union

What Is a Money Market Account Vs Savings Account

There are many types of accounts available for storing and transacting with money. The two most popular options are savings accounts and money market accounts.  Both gain interest over time, meaning you have added value in using them. However, some...

Debit Vs Credit Card: What Are the Differences?

Debit and credit cards are payment vehicles used instead of cash when you purchase items. They’re essentially a modern take on checks and are important for online payments.  Credit and debit cards provide the same benefits, though there are unique...

How to Pay Off Student Loans Fast: 10 Tips For Success

At the start, it may seem impossible to get an edge over your student loans. You go beyond the minimum and hit your principal to pay it as early as possible.  While the path towards paying off your loan may...

What Members are Saying:

Want to give a shout-out to a branch team member who went above and beyond? Click the button below to leave a review!

When You Join the Hometown Credit Union, You Invest In Jacksonville

121 Financial has been Jacksonville’s hometown credit union for 85 years and counting and we invest 100% of our capital back into the local community.

For 25 years, Sulzbacher has been providing Housing, Healthcare and Hope to your homeless and at risk neighbors- serving men, women, and families with children. To help their cause-- and especially the school-aged children in need in Jacksonville-- 121 Financial Credit Union hosted a school supply drive and a community bash at the end of July! Over 400 Jacksonville kids in need got backpacks loaded with new school supplies, free community meals, plus tons of dentist and pediatric check up appointments set!

You have a choice of where you put your hard-earned money. So ask yourself this: Does your current financial institution care more about helping people up on Wall Street, or the people on our Main Street?

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