Special Closing – Tues, 3/31

On Tuesday, March 31st, all 121 Financial Branches will close at NOON to facilitate the system merger with Duval Federal Credit Union.

Please note that from noon until approximately 9 a.m. Wednesday, April 1st, Online Banking, Mobile Apps (including Remote Deposit), and Private Line will also be unavailable.

We apologize for the inconvenience and thank you for your cooperation.

Attention Duval FCU Members

When logging on to home banking, use your NEW 121FCU account number and the last FIVE digits of your SSN as your password. You will be prompted to change it.

To access your DUVAL credit card information, visit EzCardInfo.

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Online Banking is Down

Special Closing – Tues, 3/31

On March 31st, all 121 Financial Branches temporarily closed to facilitate the system merger with Duval Federal Credit Union. Online Banking unavailable until April 1st at approximately 9 a.m. [More…]

Mobile Apps, Remote Deposit, and Private Line will also be unavailable.

We apologize for the inconvenience and thank you for your cooperation.

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Auto Loans

Get a Great Low Rate!

We offer great low rates and loan terms of up to 82 months!

Rates as low as % APR.

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Refinance Your Auto Loan at 121FCU!

Get $100 or $200 cash back for lower payments and more cash in your wallet.*

Finance $20,000+ for $200 Cash Back
Finance $10,000 - $19,999 for $100 Cash Back

Things We’ll Need to Get Started On Your Refi:

  • Copy of Valid Drivers License
  • Copy of Vehicle Registration
  • Payoff Information
  • Name and Account Number of Bank or Credit Union
  • Address
  • Contact Number

* Refinance promotion good for any collateralized loan currently financed at another financial institution. Finance $20,000+ for $200 Cash Back. Finance $10,000 - $19,999 for $100 Cash Back. Rates below 2% and loan amounts less than $10,000 do not qualify for cash back. Promotion not available on business loans. Rates based on creditworthiness.

View Rates Email Us to Get Started 

VIP Auto Buying Service

Buying a new car Take a friend along.

Bring Auto Advisors with you for your next new or used car purchase! Auto Advisors searches for the best deals, saving you time and money. Submit a vehicle inquiry (at right), and our Auto Advisor, Mark Hamrick, will contact you!

Poor credit? Apply after 6 months for a lower rate!

We have good news if your credit score has suffered a blow! Did you know that 121 Financial offers rates (based on risk) for lower credit scores The great news is that as your credit score goes up, your loan rate can go down without extending your term! Just apply after six months for a lower rate.

Check out our calculators to find approximate payment options. You can apply by phone, online via Private PC, or in person — we will review your application and get your answer in under an hour (in most cases).

If you need more information, contact Member Services by calling 904.723.6300. We are happy to work with you!

Insurance Options

Already Applied and Need to Provide Proof of Insurance

Visit www.myloaninsurance.com to let us know that you’re insured.

Extended Warranty & GAP Insurance

Extended warranties can be purchased through the credit union at approximately half the cost of the dealership. Guaranteed Asset Protection (GAP) insurance is also available through the credit union at a considerable savings.

TruStage® Auto & Homeowners Insurance

You trust 121 Financial Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the TruStage® Auto & Homeowners Insurance Program!

Learn More