WE’RE HERE TO HELP MAKE YOUR MONEY MOVES SMARTER, NOT HARDER.
How Can We Help You Reach Your Goals Today?
Choose selections from the drop-down areas below.
Refi Rewards - Get Up to $200 Cash Back!
Refinance into a lower rate with us and we'll put cash in your pocket! We'll pay you $100 when you refinance a loan of more than $10,000 and $200 for a loan over $25,000.
FINANCE HOME IMPROVEMENTS WITH A "HONEY DO" HELOC
Knock out that “Honey Do” list with a flexible HELOC from 121 Financial with a rate as low as 3.75% and no closing costs when your initial draw is over $20,000. Borrow up to 90% of loan to value and get to work!
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: Douglas Jones
Branch Manager | Orange Park
"My name is Douglas, and I am the Argyle/Orange Park manager. The passion that resides within is to help others achieve their financial goals. In addition, I enjoy outdoor activities and spending time with family and friends."
THE 121 FINANCIAL BLOG
Trusted Financial Advice and The Latest News from Your Hometown Credit Union
Credit Report vs Credit Score: Is There a Difference?on February 22, 2021
Many consumers mistakenly use the terms credit report and credit score interchangeably. While closely related, these terms […]
Should You Refinance Your Home & When Should You Do Iton February 12, 2021
Refinancing your home mortgage loan can either save you money or cost you money. It can either improve your financial […]
Top 8 Bad Money Habits You Should Break Foreveron January 27, 2021
Building good financial habits is essential for an abundance of reasons, not the least being that it helps you to provide […]
What Members are Saying:
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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.
When the coronavirus pandemic struck, our award-winning Business Services team stepped up big to fill the void left by Wall Street banks. Our team worked one-to-one (like our name promises) with as many local small businesses as possible to help them access Paycheck Protection Program funding. 121 Financial helped preserve nearly 4,000 local jobs.
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?