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.
Say "GAME OVER" to Your CAR Loan
... And LEVEL UP when you switch over to 121 Financial! Refinance your auto loan with 121FCU for a lower interest rate and lower monthly payments. PLUS get cash in your pocket as an added bonus! Get $100 for your 10k+ loan, $200 for your 25k+ loan, or $300 for your 30k+ loan! GET OVER HERE!
"NEW HOME" NOT SO NEW?
Finance home improvements with a flexible “Honey Do” HELOC from 121 Financial. We're the only institution in town that lets you borrow up to 90% of your home's appraised value -- with a rate as low as 3.75% and no closing costs*.
**GET A FREE HANDYMAN TOOLSET AT CLOSING!**
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
2021 Where’s Scampi Coloring Contest Winners Announcedon May 6, 2021
The second annual Where’s Scampi Virtual Coloring Contest was a huge success!
How to Save Money on a Minimum Wage Paycheckon May 6, 2021
Surely you want to build wealth and become financially stable so you can confidently plan for your future and provide for […]
Calculate Your Debt to Income Ratio in 3 Easy Stepson April 22, 2021
Your debt-to-income (DTI) ratio is considered when looking at your overall financial health aside from your credit score. […]
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?