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We are delighted to bring a new, enhanced level of service to 121 Financial Credit Union members after they voted in favor of merging with VyStar Credit Union on Jan. 26, 2024. By combining the strengths of two of Jacksonville’s oldest and most esteemed financial institutions, we are expanding our members’ access to financial resources, products, and services that are essential to our community’s financial success.

NEW! 5-Month SHare Certificate Pays A Whopping 4.45%

Looking to invest your nest egg wisely without locking up your money? 121 Financial Credit Union now offers a five-month share certificate that pays 4.450% APY, among the best returns anywhere for this kind of investment. Minimum deposit to open is $25,000.

Personal Banking & Lending

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

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We provide truly personalized, one-to-one service and assistance for all members

Business Banking & Lending

BUSINESS ACCOUNT OPTIONS DESIGNED TO PROTECT YOUR BUSINESS & YOUR EMPLOYEES

121 FINANCIAL + VYSTAR MERGER UPDATES

Our members have voted in favor of the proposed merger with VyStar Credit Union on January 26, 2024. By merging, we will enhance your experience and expand your access to financial resources, products, and services.

New! 4.45% APY 5-month Certificate

Get more for your hard-earned savings with our new 5-month share certificate that pays a whopping 4.45% when you invest $25,000 or more. Earn a bigger return on your savings without locking up your money.

WE’RE HERE TO HELP MAKE YOUR MONEY MOVES SMARTER, NOT HARDER.

How Can We Help You Reach Your Goals Today?

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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.

THE 121 FINANCIAL BLOG

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

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Are you feeling the financial squeeze lately? It’s not just you; the impact of inflation on personal finances is real, silently chipping away at your money’s mojo—But there is no need to […]

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Managing Credit Card Debt: 10 Strategies to Pay It Off Fast

Are you drowning in credit card debt? Feeling overwhelmed and unsure of how to tackle it? Managing credit card debt can be daunting, but with the right strategies, you can […]

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Two of Jacksonville’s Largest Credit Unions Donate $10,000 to Make Thanksgiving Brighter for Brentwood Community

121 Financial Credit Union and VyStar Credit Union Came Together to Give a Donation to Chef Harvey Foundation for Thanksgiving Meals.   Jacksonville, Fla. – (November 22, 2023) – 121 […]

Get to know your friendly neighborhood 121 team members!

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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.

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.

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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?

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!

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