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2015

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121 Financial Credit Union Announces Key Management Changes

(JACKSONVILLE, FL - ) President and CEO, Bruce Fafard Installs New Executive Team

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Newly named President an CEO of 121 Financial Credit Union, Bruce Fafard announced a new centralized organization structure at the credit union’s senior level which establishes a Chief Financial Office (CFO), Chief Operations Office (COO) and a Chief Strategy Officer (CSO).

Later that day, at a “town hall” style meeting with all 121 Financial employees, Fafard explained the reasoning for the new organizational structure by saying, “over the past two months, I have had the pleasure of getting to know the great talent at 121 Financial from the inside out and I’m pleased to say service to our members is what we do well. We are establishing an internal structure that enhances that member experience further.”

Becky Hulett will remain in the CFO position. David Marovich will assume the role of COO and responsibility for all customer-facing services and sales. Paul Blackstone joined 121 Financial in the newly formed role of Chief Strategy Officer (CSO) as a July 6. 2015. Paul’s responsibilities will include Technology, Marketing, Facilities, Legal, and Risk Management for 121 Financial.

During the 121 Financial employee meeting, Fafard when on to say, “We have the ability to positively affect our members’ lives and we are going to do that every time they interact with us by delivering an excelling banking experience through whichever channels the member prefers – including mobile, online, or in-person. The goal will be that every member interaction will reflect the same quality of being “The World’s Best Credit Union.”

Meet the New Executive Team

Becky Hulett, Chief Financial Officer
Becky has served as 121 Financial’s CFO since 2007 and is committed to the credit union value of “people helping people” while remaining conscious of the need to operate a sustainable, innovative, high quality enterprise that serves our members – now and in the future. Her powerful blend of strategic and technical skills has served 121 Financial well so far and we are excited for what she will do going forward.

David Marovich, Chief Operating Officer
The newly appointed COO, David Marovich has also been with 121 Financial since 2007, building an award-winning business loan program, growing it into a $57 million portfolio and helping small businesses around Jacksonville establish and fund their American dreams.

Paul Blackstone, Chief Strategies Officer
Chief Strategies Officer is a new executive position for 121 Financial and will be filled by Paul Blackstone. Paul is the founder and CEO of Copilot Networks, a company he created to help parents manage their children’s digital devices. “Given his strong background in technology and security, he will be a great asset as we work towards the major technology launch this fall,” said Fafard in an internal email to all employees announcing the organizational changes.

Fafard was installed as President and CEO in April 2015.

121 (pronounced one-to-one) Financial is proud to serve the businesses and residence of the 11 counties in and surrounding Jacksonville. As a financial cooperative centered around the philosophy of “people helping people,” the credit union exists to help its members with their banking and financial needs.


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In The Presence of a Hero: Gail Lewis named 2015 Credit Union Hero of the Year by Credit Union Magazine

(JACKSONVILLE, FL - ) Ever met a real life hero? At 121 Financial, we are proud to have worked side-by-side with a hero for 32 years and now she is being recognized.

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Lewis was one of three nominees selected from around the country for this award. Her work for 121 Financial Credit Union and her work throughout the community were the reasons she won.

At 121 Financial, her primary responsibilities include managing consumer and indirect lending and developing staff. But she is also active in the community conducting financial education workshops and seminars at churches, schools and community agencies, much of it involving financial education for the youth.

She is an adjunct instructor at Florida State College of Jacksonville; she teaches financial counseling for the Credit Union Education Program; she is involved in the education committee for the Northeast Florida Chapter of Credit Unions; and she volunteers at the Job Corps.

“We are extremely proud of Gail for her work, especially with financial education, not only for our credit union members but for all she does for the Northeast Florida community,” said Bruce Fafard, President and CEO of 121 Financial.

“This is a great honor for Gail and 121 Financial Credit Union to be recognized nationally for her accomplishments.”

121 Financial Credit Union offers full banking and loan services to any individual and small businesses located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 45,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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121 Financial Credit Union’s Gail Lewis Selected 2015 Credit Union Hero Of The Year By Credit Union Members Across The Country
By Les Loggins

(JACKSONVILLE, FL - ) Credit union members from across the country have selected Gail Lewis, Director of Consumer Lending/Credit Manager for 121 Financial Credit Union as the Credit Union Hero of 2015 according to Credit Union Magazine. Credit Union Magazine recognized Gail Lewis of 121 Financial Credit Union on Monday, July 13th, 2015 as the 2015 Credit Union Hero of the Year at the America’s Credit Union Conference/World Council of Credit Unions Conference in Denver.

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“I’m receiving an award for being a hero amongst a bunch of heroes,” Lewis said. Lewis thanked the board of 121 Financial for recognizing her dream to help young people with financial literacy and supporting her efforts to go into the community.

As Director of Consumer Lending/Credit Manager at 121 Financial, Gail’s primary roles are managing consumer and indirect lending. She works tirelessly to improve the community’s understanding not just of their personal finances, but also the credit union’s products and services. We agree she is without question a hero in our community and at 121 Financial.

She conducts financial education workshops, most of the time for young people at churches, schools, and other community venues—often on her own time.

“We help people handle their money better, but you can’t do that through workshops alone. Members come into the branches and see other credit union employees afterward. It’s a team effort.”

Members greatly appreciate the assistance. “It’s amazing,” she says. “I run into people and they tell me about their new house, for instance.”

Lewis also serves as an adjunct instructor at Florida State College of Jacksonville, teaches financial counseling for the Credit Union Education Program, and participates on the education committee for the Northeast Florida Chapter of Credit Unions.

“Credit unions are about the community. We say that and we back it up,” Lewis says. “I love that credit unions stand for helping and caring about people. We help members position themselves financially. I can’t believe I get paid to go out and tell people how to get the best rates, raise their credit scores, and budget better.”

She volunteers at the Job Corps each month and is happy to hold workshops for any group that asks. “It’s awesome to see businesses in this day and time that genuinely care. That makes our credit union a hero.”

After 32 years, Lewis plans to leave her position at the end of this year—but she won’t stop serving.

“I want to continue providing education and community service with the credit union,” she says. “It’s such a big part of what we do.”

For information about the Financial Education Workshops Gail Lewis provides, please contact 121 Financial Member Services at 904.732.6300.

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121 Financial Credit Union To Hold Ribbon Cutting For New Middleburg Branch
By Les Loggins

(JACKSONVILLE, FL - ) 121 Financial Credit Union will hold its grand opening ribbon cutting ceremony May 13 at 10:00 a.m. for its new Middleburg branch located at 1714 Blanding Boulevard at Branan Field Road.

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The new facility, which was built by Scherer Construction of North Florida, has approximately 3,900 square feet, plus three drive-through lanes, a 24-hour drive-up ATM and safe deposit boxes. Architectural design was done by Reynolds, Smith and Hills.

“The event will feature food, giveaways and a ribbon cutting ceremony by 121 Financial’s Board Members and other VIPs,” said Billy Bybee, 121 Financial’s Middleburg branch manager. “We will also have an appearance by the “Star Wars stormtroopers” re-enactors from the 501st Legion.

“We want to use this opportunity for the public to visit our facilities and see the newest conveniences we offer our members.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 45,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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Bruce Fafard Selected As New President/CEO Of 121 Financial Credit Union
Current CEO William Braddock To Retire May 4
By Les Loggins

(JACKSONVILLE, FL - ) 121 Financial Credit Union named Bruce Fafard as the new President/CEO of the $500 million institution, announced 121 Board of Directors Chairman Eddie Clanton.

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“We are extremely excited to bring on Bruce as the next visionary leader of our credit union. He has the experience and capabilities necessary to take 121 to the next level. 121 Financial is a well-established organization with a long history in Jacksonville. We have something special to offer our membership and Bruce will lead that charge.”

As the former President/CEO of Scient Federal Credit Union in Groton, Connecticut, Fafard’s background includes expertise in strategic planning, charter expansion and developing high-performance teams. He will begin as 121 Financial’s new President/CEO on May 4, 2015.

He will be taking over for Bill Braddock who has served as CEO of 121 for 28 years. He is credited with sustained growth at 121, steering the institution through the recession, increasing the number of branches to 13 and the number of members to 45,000, and recently, guiding the credit union through the merger with Duval Federal Credit Union.

“I have had a satisfying tenure at 121 Financial,” Braddock said. “We have done a lot of good things, and much of that is due to the outstanding team we have serving our members.

“The Board has done an excellent job in identifying and recruiting Bruce to assume the CEO role. I think 121 Financial will have continued success under Bruce’s leadership.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 45,000 members.

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121 Financial Credit Union Has Been Selected As The 2014 North Florida District Top 1st Mortgage Lender By SBA
By Les Loggins

(JACKSONVILLE, FL - ) 121 Financial Credit Union has been selected as the Small Business Administration’s North Florida District Top 1st Mortgage Lender for 2014.

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This award recognizes the work and dedication 121 Financial contributes to the economic growth. This award comes on the heels of David Marovich, 121 Financial’s Vice President of Business Services, being selected as the Small Business Administration’s North Florida District and State of Florida Financial Advocate of the Year.

“This SBA award is representative of the work our business services division does to help many small businesses with their financial needs to grow, expand and create and retain jobs across Northeast Florida,” explained William Braddock, CEO of 121 Financial Credit Union. “We are strong supporters of the SBA and what they do for companies in our community.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 45,000 members.

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121 Financial Credit Union’s David Marovich Selected As North Florida and SBA State of Florida Small Business Financial Advocate of The Year
By Les Loggins

(JACKSONVILLE, FL - ) David Marovich, Vice President of Business Services for 121 Financial Credit Union, has been selected as the Small Business Administration’s North Florida District and State of Florida Financial Advocate of the Year.

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Marovich has been involved with consulting existing and startup businesses through the Small Business Development Center and conducting classes “Boots To Business” for military personnel.

Marovich is an 19-year veteran of the banking industry, joining 121 Financial in 2007. He has held leadership roles in the areas of retail, operations and small business in the banking industry. He is President of the Small Business Resource Network of North Florida.

“David has done an outstanding job for small businesses, both at our credit union and in the community, through the Small Business Administration,” reported William Braddock, CEO of 121 Financial. “This SBA award is great recognition for the work he has done helping small businesses throughout Northeast Florida.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 45,000 members.

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SBA Announces 2015 Florida Small Business Week Winners
By Nayana Sen

(JACKSONVILLE, FL - ) U.S. Small Business Administration North Florida District Director Wilfredo J. Gonzalez is pleased to announce the winners of SBA’s 2015 District and State of Florida Small Business Week Awards

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“Once a year I have the privilege of acknowledging and celebrating the accomplishments of small business owners in Florida. I would like to congratulate all of this year’s Small Business Week winners. The nominations this year were very competitive, and all the winners are highly deserving of their respective awards,” stated Gonzalez. 

National Small Business Week will be held May 4-8, 2015.  It was announced Mar. 16, the city of Miami will be the “Kick Off” city for the week long celebration followed by Los Angeles, San Antonio, New York City and culminating in Washington, D.C. where national winners will be recognized and awarded.  This year’s theme is, “SBA: Dream Big, Start Small.”

The 2015 SBA North Florida District Small Business Person of the Year is Sandra Saft.  Saft is the President of S. Saft and Company dba Window Interiors, located in Altamonte Springs, Florida.

The North Florida district and SBA State of Florida Small Business Exporter of the Year is Douglas Worswick. Worswick is the President of Certified Slings, located in Casselberry, Florida.

Jeff Rawls is named the 2015 North Florida Veteran-Owned Small Business Person of the Year. Rawls is the Owner of Synergy Fabrications, LLC, located in Palatka, Florida.

The North Florida District Woman-Owned Small Business Person of the Year is Margarita U. Howard. Howard is the President of HX5, located in Fort Walton Beach, Florida.

The North Florida District and State of Florida Minority-Owned Small Business Person of the Year is Printella Bankhead. Bankhead is President of EBS Security, Inc., located in Jacksonville, Florida.

The North Florida and SBA State of Florida Small Business Financial Advocate of the Year is David Marovich. Marovich is the Vice President of Business for 121 Financial Credit Union, located in Jacksonville, Florida.

The North Florida and SBA State of Florida Small Business Advocate of the Year is Mike Field. Field is a Senior Analyst with JP Morgan Chase, located in Jacksonville, Florida.

The Following State Winners are also winners of their respective South Florida District awards:

The 2015 State of Florida Small Business Person of the Year is Carol Craig, the President of Craig Technologies, located in Cape Canaveral, Florida.

SBA State of Florida Small Business Woman-Owned Person of the Year is Tina Zambrana.  Zambrana is the President of Pet Stop Clinic located in Miami, Florida.

SBA State of Florida Small Business Veteran Owned Business of the Year is Charles Jenkins.  Jenkins is President of CWU Inc., located in Clearwater, Florida.

For information on South Florida winners or for a full list of winners, please contact Jim Brooks at (305) 536-5521 x104

The 2015 Small Business Week Award Winners from the Jacksonville area will be recognized at the Annual Small Business Week & Lender Awards Celebration on May 28, 2015 in Jacksonville at the University of North Florida’s University Center from 11:30 am to 1:30 pm. This event is hosted by Janice Donaldson, Regional Director for the Small Business Development Center at the University of North Florida.  For more information on this award ceremony, please visit www.sbdc.unf.edu/sbw.

The Orlando area Small Business Week winners will be honored at a private event hosted by Eunice Choi, Regional Director for the Small Business Development Center at the University of Central Florida, on May 19, 2015, at the Citrus Club.

For more information about local winners or programs available through the Small Business Administration, please visit the agency Website at www.sba.gov/fl/north or call (904) 443-1900.

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121 Financial Credit Union Finalizes Merger With Duval Federal As Of April 1
By Les Loggins

(JACKSONVILLE, FL - ) As of April 1, the merger of 121 Financial Credit Union and Duval Federal Credit Union will become finalized.

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In order to merge the two credit unions’ operating systems, which is the last phase of the merger, 121 Financial will be closed from noon March 31 until April 1 at 9:00 a.m. Duval Federal will close all day March 31 and will open as new 121 branches on April 1 at 9:00 a.m. The online banking system for both credit unions will be temporarily closed during that same time.

In addition, new exterior and interior 121 signage will be unveiled on April 1 at the former Duval Federal locations.

With the merger, Duval Federal will add four branches, 6,300 members and approximately $51 million in assets to 121 Financial. 121 Financial currently has approximately $448 million in assets, 39,100 members and eight branch locations. The combined credit unions will have approximately 175 employees and none of the employees will be laid off as a result of the merger.

Duval Federal was chartered in 1935 as the credit union for the City of Jacksonville employees. It began with 45 members and $225 in assets. The credit union built its operations over the years by adding other select employer groups, including University of Florida Health Systems, and expanded membership to anyone residing or working in Duval County.

121 Financial also started in 1935 under the name of Florida Telco, serving the telecommunications industry in Northeast Florida. In 1990 it expanded its membership to anyone living or working in the eleven First Coast counties.

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121 Financial Credit Union Captures The ServiStar Award For Second Consecutive Time Sweeping The Entire 2014
By Les Loggins

(JACKSONVILLE, FL - ) 121 Financial Credit Union has won the ServiStar Credit Union award once again for July – December 2014, making it one of only three credit unions in the nation that have won the award back-to-back. 121 Financial also won the award in the January – June 2014 time period.

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ServiStar is a biannual award given to credit unions by the Michael Neal & Associates organization that conducts member shoppers scores based on criteria involving, sales, service, leadership, management and employee performance. To win the award, credit unions must score 4.57 or higher out of a total of 5 points.

The other back-to-back winners for 2014 were GECU of El Paso, Texas, and AERO Federal Credit Union in Glendale, Arizona.

“It is always satisfying to know that you are delivering on your service to members,” said William Braddock, CEO of 121 Financial. “But it’s an on-going obligation where you cannot sit on your laurels and hope that good things continue. By winning the ServiStar back-to-back, I think it shows our employees really take their commitment to members seriously.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has approximately 40,000 members. For more information, visit www.121fcu.org.

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Jolene Stubbings of West Nassau High School Wins The 2015 Rotary Oratory Final Competition
Abby Murphy of Creekside High School Wins Second Place
By Les Loggins

(JACKSONVILLE, FL - ) Jolene Stubbings, a senior at West Nassau High School, competed against five other First Coast area high school seniors to win first place in the 2015 Rotary Oratory Competition. Abby Murphy of Creekside High School in St. Johns County won second place.

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Stubbings, who spoke on the topic of financial literacy, won a total of $4,600 in scholarship funds, which included receiving a $500 scholarship by winning her regional competition, $4,000 for first place in the finals and a $100 college starter savings account from 121 Financial Credit Union.

Murphy took home $2,600 in scholarship funds, winning her regional, winning second place in the finals and receiving a college starter savings account.

Stubbings began her pursuit of the title by competing to represent her high school, where she advanced to the regionals. From there she went on to the finals. The Rotary Oratory Competition, a project by the Rotary Club of South Jacksonville, started with competition at 25 area high schools. With the help of five area Rotary Clubs, six regionals were conducted to narrow the field of competitors to six participants.

The finals were held at the University of North Florida before a crowd of approximately 200 people. In attendance were school board members from Clay, Duval and St. Johns counties. The other finalists included Olivia Ade of Episcopal High School, Dwight James of Douglas Anderson, Ryan Merrill of Orange Park High School, and Duneshka Moran-Deleon, Baldwin High School.

As the 2015 winner, Stubbings will also be invited to appear on the 121 Financial Credit Union’s “4 Your Money” segment on WJXT-TV and Clear Channel Outdoor will feature her on a digital billboard on I-95 near the airport.

121 Financial was the title sponsor of the event; the University of Florida Proton Therapy Institute was the regional sponsor; and Sawgrass Asset Management was the runner up scholarship sponsor.

For more information on the Southside Rotary speech project, email Rotaryexecsec@aol.com.

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Randy Turpin Promoted To Vice President, Branch Operations For 121 Financial Credit Union
By Les Loggins

(JACKSONVILLE, FL - ) Randy Turpin, Director of Branch Operations for 121 Financial Credit Union, has been promoted to Vice President, announced 121 Financial CEO William Braddock.

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Turpin is responsible for the overall management of the credit union’s 14 branches.

He has worked in the banking industry for 14 years, spending his first 10 years in commercial and community banking, working for SunTrust Bank, AmSouth Bank and Atlantic Coast Bank.

Turpin started as a teller and worked his way through every position in branch banking, including head teller, customer service, assistant manager, branch manager and vice president.

“When you have smooth operations throughout your branches, you know it is because you have qualified people working everyday to make that happen,” said Braddock. “Randy is the key in making our banking experience a great one for our shareholders.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has approximately 40,000 members. For more information, visit www.121fcu.org.

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David Marovich Promoted To Vice President Of Business Services For 121 Financial Credit Union
By Les Loggins

(JACKSONVILLE, FL - ) David Marovich, Director of Business Services for 121 Financial Credit Union, has been promoted to Vice President, announced 121 Financial CEO William Braddock.

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In his position, Marovich will be responsible for directing and providing strategic oversight of business services for the credit union. In addition, he will continue to work with business customers in analyzing and consulting on business operations and assisting them with small business loans.

Marovich is a 19-year veteran of the banking industry, joining 121 Financial in 2007. He has held leadership roles in the areas of retail, operations and small business in the banking industry.

“David has done an outstanding job growing our business services division,” reported Braddock. “Those years of achievement deserve to be recognized with the title of vice president.”

Marovich serves as president and chair of the Development Committee for the Small Business Resources Network of North Florida, where he has been involved with consulting existing and startup businesses and conducting classes “Boots To Business” for military personnel.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has approximately 40,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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2014 Archive

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121 Financial Credit Union Breaks Ground For New Middleburg Branch
By Les Loggins

(JACKSONVILLE, FL - ) 121 Financial Credit Union officials broke ground Wednesday for its Middleburg branch, located at 1714 Blanding Boulevard at Branan Field Road.

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The new facility, which is being built by Scherer Construction of North Florida, will have approximately 3,900 square feet, plus three drive-through lanes, a 24-hour drive-up ATM and safe deposit boxes. Architectural design was done by Reynolds, Smith and Hills.

“We want to make the banking experience as convenient and easy as possible for our members in Clay County and throughout the First Coast,” said William Braddock, CEO of 121 Financial Credit Union. “This particular facility will feature the latest design to assist members who want to come into a branch to handle their financial needs.”

Construction is expected to be completed in the spring of 2015.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has approximately 40,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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121 Financial Credit Union is an active part of the North Jacksonville community
By Kandace Lankford

(JACKSONVILLE, FL - ) In today’s world of big box businesses, the elements of personal attention and great customer service are often lacking or altogether absent.

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No one knows your name, and the standardized way in which customer service matters are handled leaves one feeling like a faceless number.

When it comes to your personal or business finances, you want to put your money into the hands of a trustworthy organization – one that has strong roots in the community and has a long history of developing one-to-one relationships with their customers.

Such an organization, 121 Financial Credit Union, serves Jacksonville and the 11 surrounding counties, and has been going strong since it was established in 1935. The North Jacksonville branch, conveniently located near River City Market Place, provides personalized service to individual and business customers alike.

Rick and Tara Foxworth, who own and operate Oceanway School of Dance, have a good rapport with the folks at 121 Financial and are pleased with the level of service they receive every time they walk into or call the branch.

“121 Financial was a Godsend to us,” said Mr. Foxworth. “We were going for an SBA loan for our new business, and 121 Financial streamlined the process. To this day, we cannot believe how easy it was for us.”

The Foxworths live and work in North Jacksonville and were seeking a financial institution they could partner with to help make their business dreams a reality.

“When you call, you get a person at a local branch on the phone immediately. When I walk into the River City branch, I feel like everyone knows me,” said Mr. Foxworth. “As a business owner who has plans of growth and expansion, it is nice to have that personal service and the feeling that my bankers know my goals and are working with me to help achieve those goals. I would highly recommend 121 to anyone – I feel their service lives up to their name.”

121 Financial Credit Union strives to be an active part of the community, making a difference through monetary donations, volunteerism and free financial education. Some of their endeavors include supporting the First Coast High School athletic programs, sponsoring the Greater Jacksonville Kingfish Tournament, participating in health, safety and wellness fairs for local businesses, offering free financial classes, sponsoring the annual Chick-fil-A 5k race, and more.

“They are great at 121 Financial – the branch manager, Eleanor, will help us with just about anything we ask,” said Shelley Guettler, restaurant marketing director at Chick-fil-A. “They helped us with a back pack give away one year, giving us pens, pencils and other supplies to put in the back backpacks, they participate in our drive-thru rewards program by giving us flyers to put in the bags and giving us gift cards to randomly place in bags at the drive-thru. They provide sponsorship for our 5k that we hold once a year – they are always willing to help us.”

121 Financial serves the community to improve the quality of life for those in need of financial services and strengthen the connection with members.

“That is one of our objectives – community involvement. We call ourselves 121 because of our one-to-one service,” said Shannon Brougham, business development manager at 121 Financial.

Through charitable community involvement, and developing relationships with local individuals and businesses, 121 Financial Credit Union stays in sync with customers and their needs, and in addition to their tried and true products and services, they roll out new ones as the need arises.

For example, 121 Financial now offers the Popmoney personal payment service, which allows you to receive or request money from a person or a group via text or email.

“If you go to lunch with someone and you forgot your money, you can use Popmoney to text that person money –– all they will have to do is click on a link,” said Mr. Brougham.

Additionally, you need not leave the convenience of your home to make a deposit –– mobile deposit is now available. All you need is your smartphone or tablet and 121’s free mobile banking app. You simply take a photo of the front and back of the endorsed check, click submit, and you are finished.

Members also receive up to a 20 percent discount on Jaguars tickets, and tickets for as low as $30 for credit union day with the Jaguars on September 21st for the Jaguars versus Indianapolis Colts game.

The member referral program at 121 Financial is rewarding for both the existing member and the new member whom they refer. When your friend, co-worker or family member opens a qualifying account, they will receive $50 and you will receive $50.

The auto advisor will help create for you a haggle and hassle free car buying experience by getting the most value for your trade-in, making sure you understand your new car pricing, and serving as a liaison between you and the dealer. The auto advisor will even meet you at the car dealership to make sure your car-buying experience goes smoothly.

121 Financial also helps members reach their financial goals by providing free, unlimited access to financial counselors who will help you with things such as budgeting, money management, debt repayment, and avoidance of bankruptcy, foreclosure and repossession.

During the first quarter of next year, 121 Financial Credit Union will be merging with Duval Federal Credit Union, which will add four new branches and more products and services for 121 Financial’s customers.

“It will be great for our members and theirs combined – it’s a good fit for both of us,” said Mrs. Price. “We’ll have lower rates and more products – it’s going to be great. It’s a win-win situation.”

You are eligible for membership if you live, work or attend school in Duval, Clay, St. Johns, Nassau, Baker, Columbia, Union, Bradford, Alachua, Putnam and Flagler counties.

For more information about how 121 Financial Credit Union can help you with all your personal or business banking needs, visit their branch at 14023 Revell Drive near River City Market Place, view their website at https://121fcu.org or call them at 723-6300.

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121 Financial Credit Union Wins ServiStar Credit Union Award
By Christopher Stevenson

(MADISON, WI - ) CUES and MNA Consulting, Inc. are pleased to announce the ServiStar Credit Union Award winners for January-June 2014: GECU, El Paso, Texas; Hughes Federal Credit Union, Tucson, Ariz.; AERO Federal Credit Union, Glendale, Ariz.; and 121 Financial Credit Union, Jacksonville, Fla.

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This brand new honor recognizes outstanding leadership, management and employee performance as measured by rigorous criteria in the categories of member advocacy, member service, referrals, employee support and overall member shopper scores.

Mike Neill, president of MNA Consulting, Inc. comments, “My experience with high-performing credit unions is that their most important goal each day is to serve as their members’ trusted financial advisor. Congratulations to the team members at these four extraordinary organizations for their focus on helping members to improve their financial well-being at every touch point.”

ServiStar delivers a personalized suite of training and development resources that help credit unions maximize their members’ experience and build loyalty. To learn more, visit cues.org/servistar.

CUES is a Madison, Wisconsin-based, independent, not-for-profit, international membership association for credit union executives. CUES’ mission is to educate and develop credit union CEOs, directors and future leaders.

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121 Financial Credit Union To Hold Ribbon Cutting For New Intracoastal Branch at Kernan Boulevard
By Les Loggins

(JACKSONVILLE, FL - ) 121 Financial Credit Union will hold its grand opening ribbon cutting ceremony August 20 at 10:00 a.m. for its newly relocated Intracoastal branch at 3475 Kernan Boulevard South in Jacksonville, Florida.

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The new location, which is approximately 4½ miles from its former commercial strip center at 127040-1 Atlantic Boulevard, offers full banking services, including three drive-through lanes, a 24-hour drive-up ATM and safe deposit boxes.

The new facility has approximately 4,164 square feet, which is 1,900 feet larger than the older location. The new location, purchased by 121 Financial, is the former Hancock building.

“The event will feature food, giveaways and a ribbon cutting ceremony by 121 Financial’s Board Members and other VIPs,” said Dale Moitt, 121 Financial’s Kernan Boulevard branch manager. “We want to use this opportunity for the public to visit our facilities and see the newest conveniences we offer our members.”

121 Financial Credit Union offers full banking and loan services to any individual and small businesses located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 36,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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121 Financial Credit Union And Duval Federal Credit Union to Merge
By Les Loggins

(JACKSONVILLE, FL - ) The Boards of Directors for 121 Financial Credit Union and Duval Federal Credit Union have agreed to merge in late 2014, it was reported in a joint announcement from William Braddock, CEO of 121 Financial and Phillip Springer, acting CEO of Duval Federal. The merger is subject to approval by the membership and State and Federal regulators.

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Duval Federal will be merged under the 121 Financial Credit Union brand and will add four branches, 6,300 members and approximately $51 million in assets to 121 Financial. 121 Financial currently has approximately $448 million in assets, 39,100 members and eight branch locations. The combined credit unions will have approximately 160 employees and none of the employee will be laid off as a result of the merger.

The merger should have no effect on the current Duval Federal branches or their 18 employees other than a brand change and the addition of 121 Financial members using those facilities. Duval Federal members will have the convenience of utilizing the nine 121 Financial branches around the area.

“Combining the assets of Duval Federal and 121 Financial provides a more powerful financial resource for members of both credit unions,” Springer said.

“From our prospective, it is just a logical fit to merge the two credit unions who have similar goals, similar cultures and solid long-term reputations for taking care of members on a personal level,” said Braddock.

Duval Federal was chartered in 1935 as the credit union for the City of Jacksonville employees. It began with 45 members and $225 in assets. The credit union built its operations over the years by adding other select employer groups, including University of Florida Health Systems, and expanded membership to anyone residing or working in Duval County.

121 Financial also started in 1935 under the name of Florida Telco, serving the telecommunications industry in Northeast Florida. In 1990 it expanded its membership to anyone living or working in the eleven First Coast counties.

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121 Financial Credit Union Sponsors Veterans Of Influence Event In Jacksonville, Florida
By Les Loggins

(JACKSONVILLE, FL - ) 121 Financial Credit Union of Jacksonville, Florida, was a sponsor with the Wounded Warrior Project of the first annual Veterans of Influence breakfast conducted by the Jacksonville Business Journal.

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The event was designed to recognize former military personnel who are also business leaders in Northeast Florida and who have had an impact in the community either through civic or business accomplishments. Twenty-five former military leaders were honored.

The keynote speaker was Staff Sergeant Erick Millette of the U.S. Army, who spoke about his ambush in Iraq and his recovery through the help of Wounded Warrior.

“Jacksonville has a very large military community, especially the Navy,” explained William Braddock, CEO of 121 Financial. “Our entire staff at 121 Financial appreciate their service to our country and we are glad to take any opportunity to recognize them for their sacrifices. We have a good number who are our members and we are always glad to be of service to them.”

Jacksonville is the home of two major Navy installations, the Naval Air Station Jax and Naval Station Mayport. Many of the Navy officers remain in Jacksonville after the conclusion of their active duty.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members.

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121 Financial Credit Union To Relocate Its Intracoastal Branch In East Arlington
By Les Loggins

(JACKSONVILLE, FL - ) Following its strategic plan of moving its branches from storefront rentals to stand-alone locations, 121 Financial Credit Union will be relocating its Intracoastal branch to 3475 Kernan Boulevard South in East Arlington of Jacksonville, Florida.

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The new location, which is approximately 4 ½ miles from the current commercial strip center location at 127040-12 Atlantic Boulevard, offers full banking services, including three drive-through lanes, a 24-hour drive-up ATM and safe deposit boxes.

The new facility will have approximately 4,164 square feet, which is 1,900 feet larger than the current location. The new location, purchased by 121 Financial, is the former Hancock building.

“We believe this new location will be more convenient for our members and make banking easier than at our strip center location,” explained Dale Moitt, 121 Financial's Intracoastal branch manager. “And a larger facility will help us serve those who live at the beach as well as those in East Arlington.”

The exact timing of the branch’s relocation has yet to be determined but should occur sometime between mid-July to Mid-August.

121 Financial has focused on providing specialized banking services to individuals and small businesses throughout the First Coast area. The credit union, which has experienced steady, but also planned growth, has been moving toward self-standing facilities for its members. “We moved our Argyle branch into our own building last year,” reported William Braddock, CEO of 121 Financial. “The prior year we moved our Mandarin branch to a self-standing facility that we purchased on San Jose Boulevard. As our base of members grows, we are keeping up with that growth with larger, more convenient locations.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 36,000 members.

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121 Financial Credit Union Warns Of 10 Major Scams Directed At Seniors
By Les Loggins

(JACKSONVILLE, FL - ) As a community service, 121 Financial Credit Union conducts informative seminars to help individuals with their finances. In a recent seminar, "Caring For Aging Parents," Joan Bleacher, Risk Management Officer for 121 Financial, provided a program that warned about the 10 major scams directed at senior citizens.

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1. Health Care/Medicare/Health Insurance Fraud

Every U.S. citizen or permanent resident over age 65 qualifies for Medicare, so there is rarely any need for a scam artist to research what private health insurance company older people have in order to scam them out of some money.

In these types of scams, perpetrators may pose as a Medicare representative to get older people to give them their personal information, or they will provide bogus services for elderly people at makeshift mobile clinics, then use the personal information they provide to bill Medicare and pocket the money.

Note: Your Medicare ID number IS YOUR SOCIAL SECURITY NUMBER. Do not carry your Medicare card with you unless you're going to a doctor or hospital where they would need to see it.

2. Counterfeit Prescription Drugs

Most commonly, counterfeit drug scams operate on the Internet, where seniors increasingly go to find better prices on specialized medications. This scam is growing in popularity, since 2000, and the FDA has investigated an average of 20 such cases per year, up from five a year in the 1990s.

The danger is that besides paying money for something that will not help a person's medical condition, victims may purchase unsafe substances that can inflict even more harm. This scam can be as hard on the body as it is on the wallet.

3. Funeral & Cemetery Scams

The FBI warns about two types of funeral and cemetery fraud perpetrated on seniors.

In one approach, scammers read obituaries and call or attend the funeral service of a complete stranger to take advantage of the grieving widow or widower. Claiming the deceased had an outstanding debt with them, scammers will try to extort money from relatives to settle the fake debts.

Another tactic of disreputable funeral homes is to capitalize on family members' unfamiliarity with the considerable cost of funeral services to add unnecessary charges to the bill. In one common scam of this type, funeral directors will insist that a casket, usually one of the most expensive parts of funeral services, is necessary even when performing a direct cremation, which can be accomplished with a cardboard casket rather than an expensive display or burial casket.

4. Fraudulent Anti-Aging Products

In a society bombarded with images of the young and beautiful, it's not surprising that some older people feel the need to conceal their age in order to participate more fully in social circles and the workplace. After all, 60 is the new 40, right?

It is in this spirit that many older Americans seek out new treatments and medications to maintain a youthful appearance, putting them at risk of scammers.

Whether it's fake Botox like the one in Arizona that netted its distributors (who were convicted and jailed in 2006) $1.5 million in barely a year, or completely bogus homeopathic remedies that do absolutely nothing, there is money in the anti-aging business.

Botox scams are particularly unsettling, as renegade labs creating versions of the real thing may still be working with the root ingredient, botulism neurotoxin, which is one of the most toxic substances known to science. A bad batch can have health consequences far beyond wrinkles or drooping neck muscles.

5. Telemarketing

Perhaps the most common scheme is when scammers use fake telemarketing calls to prey on older people, who as a group make twice as many purchases over the phone than the national average.

While the image of the lonely senior citizen with nobody to talk to may have something to do with this, it is far more likely that older people are more familiar with shopping over the phone, and therefore might not be fully aware of the risk.

With no face-to-face interaction, and no paper trail, these scams are incredibly hard to trace. Also, once a successful deal has been made, the buyer's name is then shared with similar schemers looking for easy targets, sometimes defrauding the same person repeatedly.

Examples of telemarketing fraud include:

"The Pigeon Drop"

The con artist tells the individual that he/she has found a large sum of money and is willing to split it if the person will make a "good faith" payment by withdrawing funds from his/her bank account. Often, a second con artist is involved, posing as a lawyer, banker, or some other trustworthy stranger.

"The Fake Accident Ploy"

The con artist gets the victim to wire or send money on the pretext that the person's child or another relative is in the hospital and needs the money.

"Charity Scams"

Money is solicited for fake charities. This often occurs after natural disasters.

6. Internet Fraud

While using the Internet is a great skill at any age, the slower speed of adoption among some older people makes them easier targets for automated Internet scams that are ubiquitous on the web and email programs.

Pop-up browser windows simulating virus-scanning software will fool victims into either downloading a fake anti-virus program (at a substantial cost) or an actual virus that will open up whatever information is on the user's computer to scammers.

Their unfamiliarity with the less visible aspects of browsing the web (firewalls and built-in virus protection, for example) makes seniors especially susceptible to such traps.

One example includes email/phishing scams where a senior receives email messages that appear to be from a legitimate company or institution, asking them to "update" or "verify" their personal information. A senior receives emails that appear to be from the IRS about a tax refund.

7. Investment Schemes

Because many seniors find themselves planning for retirement and managing their savings once they finish working, a number of investment schemes have been targeted at seniors looking to safeguard their cash for their later years.

From pyramid schemes like Bernie Madoff's (which counted a number of senior citizens among its victims) to fables of a Nigerian prince looking for a partner to claim inheritance money to complex financial products that many economists don't even understand, investment schemes have long been a successful way to take advantage of older people.

8. Homeowner/Reverse Mortgage Scams

Scammers like to take advantage of the fact that many people above a certain age own their homes, a valuable asset that increases the potential dollar value of a certain scam.

A particularly elaborate property tax scam in San Diego saw fraudsters sending personalized letters to different properties apparently on behalf of the County Assessor's Office. The letter, made to look official but displaying only public information, would identify the property's assessed value and offer the homeowner, for a fee of course, to arrange for a reassessment of the property's value and therefore the tax burden associated with it.

Closely related, the reverse mortgage scam has mushroomed in recent years. With legitimate reverse mortgages increasing in frequency more than 1,300% between 1999 and 2008, scammers are taking advantage of this new popularity.

As opposed to official refinancing schemes, however, unsecured reverse mortgages can lead property owners to lose their homes when the perpetrators offer money or a free house somewhere else in exchange for the title to the property.

9. Sweepstakes & Lottery Scams

This simple scam is one that many are familiar with, and it capitalizes on the notion that "there's no such thing as a free lunch."

Here, scammers inform their mark that they have won a lottery or sweepstakes of some kind and need to make some sort of payment to unlock the supposed prize. Often, seniors will be sent a check that they can deposit in their bank account, knowing that while it shows up in their account immediately, it will take a few days before the (fake) check is rejected.

During that time, the criminals will quickly collect money for supposed fees or taxes on the prize, which they pocket while the victim has the "prize money" removed from his or her account as soon as the check bounces.

10. The Grandparent Scam

The Grandparent Scam is so simple and so devious because it uses one of older adults' most reliable assets, their hearts.

Scammers will place a call to an older person and when the mark picks up, they will say something along the lines of: "Hi Grandma, do you know who this is?" When the unsuspecting grandparent guesses the name of the grandchild the scammer most sounds like, the scammer has established a fake identity without having done a lick of background research.

Once in, the fake grandchild will usually ask for money to solve some unexpected financial problem (overdue rent, payment for car repairs, etc.), to be paid via Western Union or MoneyGram, which don't always require identification to collect.

At the same time, the scam artist will beg the grandparent "please don't tell my parents, they would kill me."

While the sums from such a scam are likely to be in the hundreds, the very fact that no research is needed makes this a scam that can be perpetrated over and over at very little cost to the scammer.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members.

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121 Financial Credit Union's David Marovich Nominated For Financial Services Champion
By Les Loggins

(JACKSONVILLE, FL - ) David Marovich, Business Accounts Officer for 121 Financial Credit Union, has been nominated for Champion of the Year by the North Florida District Small Business Administration.

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The nomination, which is for both the local district honor as well as for the state of Florida, was made based on Marovich's work involving volunteer time and services to small business interests and groups in the district.

Marovich has been involved with consulting existing and startup businesses through the Small Business Resource Center and conducting classes "Boots To Business" for military personnel.

Marovich is an 18-year veteran of the banking industry, joining 121 Financial in 2007. He has held leadership roles in the areas of retail, operations and small business in the banking industry. He is vice president and chair of the development committee for the Small Business Network of North Florida.

"We are proud of the work David has done for small businesses, both at our credit union and in the community through the Small Business Administration," reported William Braddock, CEO of 121 Financial. "He reflects the dedication we have to help small business throughout Northeast Florida, either through financial business services or small business consulting."

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members.

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121 Financial Credit Union Has Partnered With Teen Financial Blogger Eva Baker To Reach Out To The Youth Market
By Les Loggins

(JACKSONVILLE, FL - ) In order to help educate the youth market on the benefits of using credit unions, 121 Financial Credit Union has teamed up with teen financial blogger Eva Baker, announced Cindy Breslin, vice president of marketing for 121 Financial.

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Baker, who is a 17 year old residing in Jacksonville, Florida, has established a popular website, TeensGotCents.com, that offers free financial information for young people. She also has an eBook, “7 Days to Centsible Savings,” which is available on her website.

“As responsible business citizens, we think it is important that we help today's youth to learn and understand as much as possible about finances,” explained Breslin. “We are always looking to add various programs to our efforts to reach out to the kids.

“And Eva has received a lot of positive attention for her website. She writes so well to young people her age about finances and money management. So we thought her website would be a great vehicle to tell the credit union story.”

The financial site gets approximately 3,000 hits a month. Topics covered on the site include saving for college so you won’t need a student loan; saving money for purchases like clothes or a car; and ways for kids to earn money.

Much of Baker’s blog are articles about her own financial experiences. Her most recent blog was her experience with opening an account with her mother at 121 Financial Credit Union.

Baker was nominated for a Plutus Award in the Best New Blogger category at the FinCon financial bloggers conference last October.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members.

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2013 Archive

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121 Financial Credit Union Has Partnered With Teen Financial Blogger Eva Baker To Reach Out To The Youth Market
By Les Loggins

(JACKSONVILLE, FL - ) In order to help educate the youth market on the benefits of using credit unions, 121 Financial Credit Union has teamed up with teen financial blogger Eva Baker, announced Cindy Breslin, vice president of marketing for 121 Financial.

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Baker, who is a 17 year old residing in Jacksonville, Florida, has established a popular website, TeensGotCents.com, that offers free financial information for young people. She also has an eBook, “7 Days to Centsible Savings,” which is available on her website.

“As responsible business citizens, we think it is important that we help today's youth to learn and understand as much as possible about finances,” explained Breslin. “We are always looking to add various programs to our efforts to reach out to the kids.

“And Eva has received a lot of positive attention for her website. She writes so well to young people her age about finances and money management. So we thought her website would be a great vehicle to tell the credit union story.”

The financial site gets approximately 3,000 hits a month. Topics covered on the site include saving for college so you won’t need a student loan; saving money for purchases like clothes or a car; and ways for kids to earn money.

Much of Baker’s blog are articles about her own financial experiences. Her most recent blog was her experience with opening an account with her mother at 121 Financial Credit Union.

Baker was nominated for a Plutus Award in the Best New Blogger category at the FinCon financial bloggers conference last October.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members.

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Northeast Florida Credit Unions Donate $6,000 to Local Charities
By Angie Coleman-Rao

(JACKSONVILLE, FL - ) The Northeast Florida Chapter of the League of Southeastern Credit Unions donated $6,000 last night to 4 local charities. Each charity received a check for $1,500 from funds raised by the chapter throughout the year from raffle tickets and the annual golf outing.

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  • PACE Center for Girls: PACE is an early intervention that keeps at-risk girls out of the juvenile justice system through education, counseling, training and advocacy.
  • First Coast No More Homeless Pets: FCNMHP focuses on eliminate the killing of dogs and cats in our community through free and low-cost spay and neuter programs.
  • Real$ense Jax: Proactively provides resources, free financial education and tax prep to improve the prosperity of our community's most vulnerable and economically-challenged citizens.
  • Second Harvest: Distributes food and grocery products to hungry people and educates the public about the causes and possible solutions to problems of domestic hunger.
About Northeast Florida Chapter: The Northeast Florida Chapter of LSCU is comprised of credit union staff and volunteers who work to ensure a successful operating environment for Jacksonville area credit unions through Advocacy, Education and Support.

For more information, contact Angie Coleman-Rao, Northeast Florida Chapter Board Member - Communications. 904-475-8012.

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Serving Members Before, During, And After The Holidays:
A short-term holiday loan helps 121 Financial Credit Union members cover holiday expenses.
By Sharon Simpson

121 Financial Credit Union’s short-term holiday loan helps members prepare for Black Friday, Small Business Saturday, and Cyber Monday. But the credit union doesn’t stop there. Its year-round member discount program and six-month, 0% introductory rate on credit cards helps members before, during, and after the holiday season. According to Search & Analyze data on CreditUnions.com, as of September 30, 2013, the $432 million credit union headquartered in Jacksonville, FL, had a credit card penetration rate of 27.00% compared to 13.75% and 17.96% for its asset-based and state peers.

In this Q&A, Cindy Breslin, vice president of marketing for 121 Financial Credit Union, discusses the credit union’s offerings in more detail.

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How long has the credit union been offering holiday loans to members?

Cindy Breslin: We've been offering holiday loans for about four years now. This year we've made a change due to requests from members and the changing economy. We have increased the dollar amount of the loans. The holiday loan is designed to be paid off by the next year, so when we began the program the dollar amount ranged from $500 to $2500. Now we've increased it to a maximum of $3500 and have given members the option of extending the loan repayment over two years.

What is the typical timeframe the holiday loan is available? Have you started offering it earlier in the year?

CB: We've started offering the loan in mid-October for members who like to do early bird shopping and we usually continue it into January. Once the New Year hits, we promote it primarily as a way to pay off holiday expenses that members incurred on a higher-rate credit card.

Is it a fixed-rate loan product?

CB: Yes, it is a fixed rate. Currently, the rate is 8.00% if you repay the loan over a 12-month term. However, if you take advantage of the higher amount and choose to extend payments over two years, the rate increases to 8.75%. This is still clearly a better deal for many members than carrying holiday purchases on higher-rate credit cards.

Do most members take advantage of the loan around Black Friday?

CB: Actually, this year we had several dozen members take advantage of the loan in October. The usage is typically spread out throughout the season based on members' individual shopping habits. We see applications come in over the full timeframe that we offer the loan from October through January.

Are there other holiday promotions or specials you offer members?

CB: Yes, in addition to the holiday loan we're also offering a 0% introductory rate on our credit card for six months. We promote this heavily around the holidays and even more so after the beginning of the year so members can transfer balances from higher-rate cards.

Another program we offer is called Benefits Plus. This is a year-round membership program that includes a number of valuable discounts in addition to identity theft protection. During the holiday season the program is popular because it allows members to purchase gift cards at a discount. There are also 12 days of special one-day-only deals we promote to members via email. The deals can be found on our website and we offer them on various days during the peak of the holiday shopping season from Nov. 20 through Dec. 16.

Some of the one-day-only deals include dinner and a movie discounts, restaurant certificates, hotel discounts, ski packages, and additional savings on specific gift cards.

Is there a cost to the member to participate in this discount program?

CB: Members can try the program for free for 90 days. If they decide to keep it after the free trial, they pay a monthly fee of $4.50 to $6.00 depending on what type of checking account they have. This is a good value as the identity theft protection alone can cost more than that and there are a number of other benefits and discounts.

The program also offers purchase protection, which can come in handy over the holidays. In fact, we had one member who finished their Christmas shopping and had all of their bags locked up in their vehicle. The vehicle was broken into and all of the presents they purchased were stolen. Luckily, the member hung on to their receipts and were reimbursed for everything through the program.

For more information, visit www.creditunions.com.

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121 Financial Credit Union Donates NFL Jaguar Tickets To Florida Baptist Children’s Home
(JACKSONVILLE, FL - ) 121 Financial Credit Union, in Jacksonville, Florida, donated 32 tickets for the National Football League’s game between the Jacksonville Jaguars and the Indianapolis Colts to the Florida Baptist Children’s Home in Jacksonville, Florida.

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The Florida Baptist Children’s Home is a faith-based, non-profit organization dedicated to providing services to abused, neglected and orphaned children.

The Baptist Children’s Home is one of the selected charities by the employees of 121 Financial and is frequently the recipient of funds and services from the credit union.

The Jaguar-Colts game will be held on Credit Union Day on September 29. The game is sponsored by credit unions in the Jacksonville area.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

For additional information about the Florida Baptist Children’s Home, visit www.fbchomes.org.

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121 Financial Credit Union Sponsorship Of Music Foundation Concludes With Citywide Concert
(JACKSONVILLE, FL - ) 121 Financial Credit Union concluded its sponsorship of the I Love Music Foundation with a day-long concert for the city of Jacksonville, Florida, performed by local youth bands.

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Over 2,000 people attended the Jacksonville Landing to hear 16 bands perform, with band members averaging 18 years old.

The I Love Music Foundation is involved with promoting music to Florida youth. Their work includes publicizing the benefits and advantages of learning a music skill to kids from elementary school to college; assisting band directors in schools to increase their marketing efforts in promoting their programs that will result in attracting more students to their programs; and helping to raise money for school systems to help avoid cuts in music programs from their curriculums.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

For more information about the I Love Music Foundation, go to ilovemusictour.com.

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121 Financial Credit Union Employees Select The Gabriel House As Its Quarterly Charity
(JACKSONVILLE, FL - ) The employees of 121 Financial Credit Union raised money, spent time cleaning, provided dinners and held a cookout for the guests at the Gabriel House of Care, located on the Mayo Clinic Florida campus in Jacksonville, Florida.

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The Gabriel House is an affordable extended-stay hospital hospitality house for caregivers and cancer and organ transplant patients receiving medical care away from home.

Operated by the nonprofit St. Andrew’s Lighthouse, Inc., Gabriel House of Care offers comfort and peace of mind to families requiring long-term medical care away from home.

121 Financial employees select a local charity each quarter to provide funds and services that are needed by the non-profit. In the past they have supported the Jacksonville Humane Society, Ronald McDonald House and Autism Speaks.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union Utilizes A Helicopter Drone To Produce Videos And Commercials To Promote Its Branches
(JACKSONVILLE, FL - ) 121 Financial Credit Union used the latest video technology in the form of a helicopter drone to identify and record the location and facilities of each of its Jacksonville branches for online videos and television commercials.

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Cindy Breslin, vice president of marketing for 121 Financial, hired 4th Dimension Studios, a video production company, to use its helicopter drone to fly over and around each of the credit union’s branches.

The footage, which begins with a slow, frontal approach towards the front door of the individual branch, was originally designed to help potential customers identify the location of the branch in its television commercials. The spots then take the viewer inside to the lobby to hear testimonials from 121 Financial members from that branch.

Breslin thought the footage was so unique, that it should also be incorporated into the Website where location and contact information is listed for each branch. “This way, a prospective customer not only gets information on a branch near them, they can actually see what the branch looks like,” Breslin reported.

But Breslin didn’t stop there. She is also using the aerial footage for new employee training for them to see the branches without physically going to the facilities and the footage is also being used by the credit union’s security team.

Chris Fanning, a partner with his father in 4th Dimension Studios, is the only owner of a video production company who has a helicopter drone in Northeast Florida. He actually has two — a smaller drone and a larger one about the size of a coffee table. In addition to being a video producer, Fanning is a licensed pilot, which allows him to fly the drone at various altitudes.

“The prospective of the helicopter’s camera angle is unusual and we keep finding different uses for it,” Breslin said. “We recently used it to video a car sale we held at the credit union’s headquarters.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union Partners With Jacksonville Marine Association To Award College Scholarships
(JACKSONVILLE, FL - ) 121 Financial Credit Union partnered with the Jacksonville Marine Association to award three scholarships to Jacksonville, Florida high school seniors. The recipients were Caitlyn Baker, Savannah Garland and Abigail Wolz.

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The three $2,500 scholarships, which were presented by 121 Financial Credit Union senior vice president of operations Davis Johnston and Joe Springer, Jacksonville Marine Association board member, were awarded largely on the students’ record of community service and partially on financial need.

Baker, a graduate of Robert E. Lee High School, will attend the University of North Florida with the hopes of transferring to Embry-Riddle Aeronautical University in Daytona Beach.

Garland, a graduate of Paxon High School, has also been accepted to study business at the University of North Florida.

Wolz, a graduate of Bishop Kenny High School, will attend the University of Florida as a health science major.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union Employees Contribute $4,000 To American Cancer Society’s Relay For Life
(JACKSONVILLE, FL - ) The employees of 121 Financial Credit Union contributed a check for $4,000 to the American Cancer Society during their Bartram Trail Relay for Life event.

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The annual Bartram Trail event has become one of the largest fundraisers for the American Cancer Society in Northeast Florida.

Despite continuous days of rain, individual 121 Financial employees turned out to participate and generated funds that totaled $4,000.00. Employees of 121 Financial come together each quarter to support different charities. In the past they have supported the Jacksonville Humane Society, Ronald McDonald House and Autism Speaks.

Senior vice president Davis Johnston and 121 employee forum chairman Davis Cornelius presented the check to Mary Ann Quiqq, the Bartram Trail Relay for Life event coordinator.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union Recognized For Assistance In Promoting Jacksonville, Florida’s Mathews Bridge 60th Anniversary
(JACKSONVILLE, FL - ) 121 Financial Credit Union CEO William Braddock is recognized by Steve Matchett, president of Arlington, Inc., for the credit union’s marketing support for the Arlington community’s celebration of the 60th anniversary of the Mathews Bridge in Jacksonville, Florida.

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The award, which was presented to the CEO on the bridge, was in recognition of the credit union’s advertising and public relations efforts to publicize the bridge ceremony and the organization’s festival at Norman Studios, a restored, historic silent film studio.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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Larry Rouse Promoted To Director Of Information Systems For 121 Financial Credit Union
(JACKSONVILLE, FL - ) Larry Rouse, Manager of Information Systems for 121 Financial Credit Union, has been promoted to Director of Information Systems, announced 121 Financial CEO William Braddock.

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In his position, Rouse will be responsible for all aspects of the credit union’s information technology and cyber security.

Rouse has been with 121 Financial for 10 years. Prior to joining the credit union, he taught software applications for a major computer reseller. He then taught computer maintenance and repair as part of a government job training program, before moving on to computer consulting for major banks and healthcare providers in Jacksonville while also running a home PC repair business. Before working in the technology field in Jacksonville, he served 20 years in the Navy.

“Larry is a great resource for our credit union,” Braddock said. “With his extensive background in on-line security and fraud prevention, we believe we are in very good hands with Larry.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union Brings Moon Rocks To Durbin Creek Elementary School’s Space Night
(JACKSONVILLE, FL - ) Through special arrangements made by 121 Financial Credit Union, this year’s Space Night event at Durbin Creek Elementary School in northern St. Johns County, will feature a display of rocks brought back from the moon by the National Aeronautics and Space Administration (NASA).

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The credit union made arrangements for Diedre Adams, an Einstein Fellow with NASA and currently a teacher with Vigo County School Corporation in Indiana, to bring the NASA display to the St. Johns school event on March 15 from 6:00 8:30 p.m. Ms. Adams is part of a specially trained team that handles and transports the moon rocks for the purpose of education at schools and museums.

While the Durbin Creek event is designed for the school’s students and parents, the public is allowed to attend. A $5 donation per person is requested for admission to help support the school’s academic expenses. Last year over 1,200 people attended.

“This is the third year we have participated in the event,” explained Cindy Breslin, Vice President of Marketing for 121 Financial. “Our credit union tries to take every opportunity possible to support youth education. And even though youth financial education is our primary focus, we frequently participate in many aspects of education that will help develop our young people. We are just fortunate that we have the connections to be able to bring something as extraordinary as the moon rocks to Jacksonville, and to enhance the Durbin Creek Space Night’s experience.”

Other activities at the Space Night event will include telescopes for viewing the stars, a laser light show, a NASA presentation and other fun activities for the entire family.

“We are extremely excited and grateful that 121 Financial could bring in the moon rocks for our event,” said Angie Conlan, Durbin Creek Partners in Education Coordinator. “It’s the support of corporate sponsors like 121 Financial that really adds to the learning experience for our kids.”

The last time the moon rocks made an appearance in Jacksonville, was in November 2010, when 121 Financial Credit Union brought in Ms. Adams and her display for the re-opening of the Bryan-Gooding Planetarium at the Museum of Science and History (MOSH).

Between 1969 and 1972 six Apollo missions brought back 842 pounds (382 kilograms) of lunar rocks, core samples, pebbles, sand and dust from the lunar surface. In addition, three automated Soviet spacecrafts returned with samples totaling approximately three quarters of a pound from three other lunar sites. With the cutback in the U.S. space program, no future lunar samples are expected to be collected.

The lunar material is considered a national treasure, and with the exception of two sets of goodwill gifts presented to 135 nations, the 50 states and the U.S. provinces, NASA maintains it has never gifted or otherwise provided any individual with a piece of the moon. Even the astronauts were not permitted to keep a rock for themselves. Instead, the space agency has recently been presenting moon rocks in name only to the early Mercury, Gemini and Apollo crewmembers to be put on permanent public display.

Durbin Creek Elementary is located at 4100 Race Track Road, just south of Jacksonville, Florida. Phone is 904-547-3880.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union Conducts Ribbon Cutting For New Orange Park Branch In Jacksonville, Florida
(JACKSONVILLE, FL - ) 121 Financial Credit Union in Jacksonville, Florida, opened its newest branch in the Orange Park area with a grand opening ribbon cutting ceremony.

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The new location, which is approximately 3,757 square feet, offers full banking services, including three drive-through lanes, a 24-hour drive-up ATM and safe deposit boxes.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union Partners with the “I Love Music Foundation”
(JACKSONVILLE, FL - ) Founded in 2007 by Michael Butler, the I Love Music Foundation was created to fill a large void. With more than 9 years of working closely with high school programs as the Executive Director of the Teal Sound Drum & Bugle Corps of Jacksonville, FL, Butler has seen firsthand how budget cuts and lack of awareness of the many benefits of school music programs has dwindled the size of most music programs.

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The I Love Music Foundation is partnering with our school systems in an effort to promote the positive values and importance of music education in our schools. The foundation will provide opportunities for band directors to discover new techniques for marketing their programs to potential students and the community; ultimately increasing the size of their programs. We will also provide a comprehensive fundraising system that will allow the music program to become self-reliant. The foundation has developed a plan to help middle school directors recruit elementary students and help high school directors retain middle school students.

Two major events: “Try an Instrument Day” and The “I Love Music Tour” will be hosted by the foundation and sponsored in part by 121 Financial. Try an Instrument Day is a wonderful way to plant the seed of musical interest in a young elementary school student. The students will be able to try a large variety of instruments, meet older middle school students and find a music teacher.

The I Love Music Tour is a free concert that will be held at the Jacksonville Landing. The concert will feature up-and-coming national recording artists and performances by local high school band students in between the recording artists' shows. The purpose of an I Love Music event is to promote the importance and benefits of music education.

Impact or benefit to students:

The I Love Music Foundation and Our School Systems partnership has three objectives for 2013:

  1. Raise $100,000 for area school music programs
  2. Increase the number of students entering middle and high school programs by 10%
  3. Increase the overall awareness of the benefits and needs of our school music programs

121 Financial is proud to be a part of this partnership that will impact thousands of students throughout the entire first coast area. Watch our website and social media pages for more information on events. You can visit the foundation’s webpage at www.ilovemusictour.com.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union To Hold Ribbon Cutting For New Orange Park Branch
(JACKSONVILLE, FL - ) 121 Financial Credit Union will hold its grand opening ribbon cutting ceremony January 30 at 10:00 a.m. for its newly relocated Orange Park branch at 6072 Youngerman Circle, on the south side of I-295 off of Blanding Boulevard.

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The new location, which is one mile south of its old commercial strip center location at 6000-1 Lake Gray Boulevard, offers full banking services, including three drive-through lanes, a 24-hour drive-up ATM and safe deposit boxes.

The new facility will have approximately 3,757 square feet, which is 500 feet larger than the older location. Renovations to the building were done by Metro Property Services.

“The event will feature food, giveaways and a ribbon cutting ceremony by 121 Financial’s Board Members and other VIPs,” said Eric Byrd, 121 Financial’s Orange Park branch manager. “We want to use this opportunity for the public to visit our facilities and see the newest conveniences we offer our members.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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Cathy Hufstetler Promoted To Vice President Of Consumer Lending For 121 Financial Credit Union
(JACKSONVILLE, FL - ) Cathy Hufstetler, Director of Lending for 121 Financial Credit Union, has been promoted to Vice President, announced 121 Financial CEO William Braddock.

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In her position, Hufstetler will be responsible for directing and providing strategic oversight of mortgage and consumer lending. Other duties include product research and development, formulating policies, guidelines and procedures and oversight of all lending personnel.

Hufstetler has worked in the credit union industry for 29 years, with 24 years focused on mortgage lending. She has spent over three years in work involving loss mitigation.

She is a member of the Florida Credit Union Real Estate Network (Florida CUREN) and the Credit Union National Association (CUNA) Lending Council.

"Cathy has been with us for over 21 years and she has proven her dedication to our credit union, but most importantly to our members,” Braddock said. “We feel it is time to recognize her valuable service and her expertise in the industry by promoting her position.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

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2012 Archive

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121 Financial Credit Union Staff Hosted Christmas Party For Florida Baptist Children’s Home
(JACKSONVILLE, FL - ) The staff of 121 Financial Credit Union hosted a Christmas party for the residents of the Florida Baptist Children’s Home in Jacksonville, Florida.

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The Florida Baptist Children’s Home is a faith-based, non-profit organization dedicated to providing services to abused, neglected and orphaned children.

Individual 121 Financial employees and departments “adopted” a child, supplying all of the items on the child’s Christmas wish list. In addition, 121 Financial donated an eight-foot stocking full of toys to the Home for use by all of the children.

The party featured a visit by Santa Clause, elves and a Gingerbread man. The children played games, decorated Christmas stockings, cookies and customized cupcakes.

Employees of 121 Financial come together each quarter to support different charities. In the past they have supported the Jacksonville Humane Society, Ronald McDonald House and Autism Speaks.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members. For more information, visit 121fcu.org.

For additional information about the Florida Baptist Children’s Home, visit fbchomes.org.

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121 Financial Credit Union Relocates Branch To Increase Presence In Orange Park, Florida
(JACKSONVILLE, FL - ) In order to service the increased banking demand in Orange Park, Florida, 121 Financial Credit Union has relocated an existing branch to self-standing facilities at 6072 Youngerman Circle, on the south side of I-295 off of Blanding Boulevard.

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The new location, which is one mile south of its old commercial strip center location at 6000-1 Lake Gray Boulevard, offers full banking services, including three drive-through lanes, a 24-hour drive-up ATM and safe deposit boxes.

The new facility will have approximately 3,757 square feet, which is 500 feet larger than the older location. Renovations to the building were done by Metro Property Services.

“We are excited to have these new facilities that will enhance the banking experience for our customers,” explained Eric Byrd, 121 Financial’s Orange Park branch manager. “Just by having the drive-through lanes, we’ll be offering a great convenience for customers.”

The older branch will close December 1 and the new location will open the next Monday on December 3.

121 Financial has focused on providing specialized banking services demanded by customers in west Duval and Orange Park neighborhoods. “We have found that many people in these specific communities have requested services from us, such as checking with interest, auto loans and mortgages,” explained 121 Financial Credit Union CEO William Braddock. “These are the type of services that we can efficiently deliver to customers in these communities. So with our new facilities and customized services, we think the Orange Park branch has a great potential for our credit union.”

121 Financial Credit Union offers full banking and loan services to any individual and small businesses located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 36,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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Kathlene Junker Selected As Mortgage Manager For 121 Financial Credit Union
(JACKSONVILLE, FL - ) Kathlene Junker has been selected as Mortgage Manager for 121 Financial Credit Union announced 121 Financial CEO William Braddock.

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In her position, Junker will be responsible for managing all mortgage department functions from origination to servicing.

Junker came from the State of Florida’s Office of Financial Regulation where she spent the past two years as a Financial Control Analyst I. Previously, she worked at First State Bank and Trust in Bayport, Minnesota for 24 years. Her last position was vice president of real estate where she managed all aspects of the mortgage department and was responsible for lending compliance.

“We are fortunate to bring in an individual to our mortgage department who has such an impressive background and experience as Kathy,” Braddock said. “Not only does she know the industry but she is also familiar with 121’s operations since she has been involved in some of our audits in the past.”

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 36,000 members.

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Giant Christmas Stockings Giveaway Incentive To Open Children’s Savings Accounts At 121 Financial Credit Union’s Branches
(JACKSONVILLE, FL - ) To encourage children and their parents to participate in the financial arena by opening a children’s savings account, 121 Financial Credit Union is giving away a giant Christmas stocking at each of its branches.

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The stockings, which are eight feet tall and contain $150 dollars worth of toys and games for kids up to 12 years of age, can be won through drawings held at each individual 121 branch.

To enter, a member must either open a new children’s savings account; make a deposit to their existing account (in any amount); or make a donation to 121 Financial’s charity of the quarter, which is Florida Baptist Children’s Home. Drawing details are available at each branch.

Participation in the drawing starts immediately and goes through December 10. Winners will be announced December 14.

121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 36,000 members. For more information, visit 121fcu.org.

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121 Financial Credit Union Teams With Freedom Boat Club To Provide Cruise For Florida Baptist Children’s Home
(JACKSONVILLE, FL - September 11, 2012) Forty children from the Florida Baptist Children’s Home (FBCH) enjoyed a day of adventure on the St. Johns River in Jacksonville, Florida, thanks to a joint project by 121 Financial Credit Union and the Jacksonville Branch of the Freedom Boat Club.

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The children were treated to a variety of activities including exploring local waterways, searching for manatees and wildlife, recreation in a park, and enjoying a picnic lunch on the water.

“I am so excited to have the ability to provide the boating experience for those who otherwise might not have the chance,” said Lisa Almeida, who manages the Jacksonville affiliate of the Freedom Boat Club. Almeida adds, “It’s great to have organizations like FBCH and 121 to team up with so that together we can provide a 3- way support system for charities.”

Florida Baptist Children’s Homes is a faith-based, nonprofit organization that provides safe, stable, Christian homes for boys and girls who have been neglected, misdirected, abandoned, abused, or caught up in family turmoil. The organization's mission is to provide Christ-centered services to children and families in need.

121 Financial Credit Union offers full banking and loan services to any individual and small businesses located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 36,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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121 Financial Credit Union Expands Its Customer Service By Relocating Its Mandarin Branch To Larger Facilities
(JACKSONVILLE, FL - ) With an increasing demand for credit union services in the Mandarin and Julington Creek areas, 121 Financial Credit Union has relocated its branch to self-standing facilities in Mandarin Point at 12550 San Jose Boulevard at Marbon Road.

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The new location, which is just 1.5 miles south of its old commercial strip center location, offers full banking services, including drive-through lanes, a 24-hour drive-up ATM and safe deposit boxes.

“We are excited to have these new facilities that will enhance the banking experience for our customers,” explained Al Allen, 121 Financial’s Mandarin branch manager. “Just by having the drive-through lanes, we’ll be offering a great convenience for customers.”

121 Financial has focused on providing specialized banking services demanded by customers in Mandarin and Julington Creek neighborhoods. “We have found that many people in these specific communities have requested services from us, such as checking with interest, auto loans and mortgages,” explained 121 Financial Credit Union CEO William Braddock. “These are the type of services we concentrate on in Mandarin. So now with our new facilities and customized services, we think the Mandarin branch has a great potential for our credit union.”

121 Financial Credit Union offers full banking and loan services to any individual and small businesses located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 36,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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To Help The Community Recover From Tropical Storm Damage, 121 Financial Credit Union Is Offering 8% Emergency Repair Loans
(JACKSONVILLE, FL - ) With North Florida experiencing unusual storm activity this summer resulting in considerable property damage, 121 Financial Credit Union is offering a special short-term 8% APR fixed rate Emergency Repair Loan for those who qualify.

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The loans are for $500 - $2,500, but higher amounts are available at higher unsecured loan rate. It has a 12-month term, designed so that the payments would not be too large and so it can be paid off before next summer. There are no restrictions as to what the money can be used for.

“This has been a particularly rough summer so far with two tropical storms hitting Jacksonville and causing unusual storm damage to our community,” explained 121 Financial Credit Union CEO William Braddock. We wanted to do our part as a financial institution to help make additional cash available to people so they can make home repairs or even improvements,” explained 121 Financial Credit Union CEO William Braddock. “With our Emergency Repair Loan, we’re able to offer customers access to cash at a lower rate than what they would spend using a traditional credit card.

The Emergency Repair Loan is available to customers until October 30, 2012. Customers can apply for the loans at any of the 121 Financial branches. Additional information about the loan and other financial services is available on the website at 121fcu.org.

121 Financial Credit Union offers full banking and loan services to any individual and small businesses located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 36,000 members. Deposits are federally insured by NCUA. For more information, visit www.121fcu.org.

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121 Financial Credit Union Takes Off On Space Night At Durbin Creek Elementary
(JACKSONVILLE, FL - ) 121 Financial Credit Union assisted St. Johns County, Florida’s Durbin Creek Elementary School in celebrating Space Night before 1,500 people at its Parent/Teachers Organization meeting.
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121 Financial Credit Union Celebrates National Credit Union Youth Week
(JACKSONVILLE, FL - ) National Credit Union Youth Week is April 22 and 121 Financial Credit Union is conducting a series of activities to encourage young people to be more aware of their finances and to start saving at an early age, reported William Braddock, CEO of 121 Financial.
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121 Financial Credit Union Offering 8% Spring Loans
(JACKSONVILLE, FL - ) With warm months coming early, and customers involved with spring cleaning and home improvements, 121 Financial Credit Union is offering a short-term 8% APR fixed rate Spring Loan for those who qualify.
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2011 Archive

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From Autism Speaks on 121 Financial
(JACKSONVILLE, FL - ) Please join Autism Speaks in congratulating 2011’s top team and event sponsor 121 Financial Credit Union. Not only were they the premier sponsor at this year’s event, they additionally came together and raised $4,000 as a team! Stop by one of their 8 locations in Jacksonville to find out how teaming up with 121 Financial Credit Union can benefit you!
121 Financial Credit Union Offering 8% Holiday Loans
(JACKSONVILLE, FL - )To help customers get through “Black Friday” and the rest of the expense of the holiday season, 121 Financial Credit Union is offering a short-term 8% APR fixed rate Holiday loan for those who qualify.
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Giant Christmas Stockings Giveaway Incentive To Open Children’s Savings Accounts At 121 Financial Credit Union’s Branches
(JACKSONVILLE, FL - To help educate children on the importance of saving, and to encourage them and their parents to open a children's savings account, 121 Financial Credit Union is giving away a giant Christmas stocking at each of its branches.
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To Commemorate Veterans Day 121 Financial Credit Union’s Branches Will Serve As Collection Centers For Cell Phones For Soldiers
(JACKSONVILLE, FL - )As a part of their recognition of Veterans Day, 121 Financial Credit Union has set up all of its branches as collection centers for the Cell Phones For Soldiers, announced William Braddock, CEO of 121 Financial Credit Union. The phones will be sent to ReCellular, which recycles the phones and pays Cell Phones for Soldiers money for purchasing pre-paid calling cards that are sent to U.S. soldiers serving abroad.
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121 Financial Credit Union’s Kendall Town Branch Offers Free Shredding To Prevent Identity Theft
(JACKSONVILLE, FL - ) 121 Financial Credit Union’s Kendall Town branch, at 9730 Hutchinson Park Drive in Arlington, will offer free shredding from 10:00 a.m. to 2:00 p.m. on November 19 for any individual or small business who would like to dispose of sensitive documents.
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121 Financial Credit Union Eliminates Account Maintenance Fees
(JACKSONVILLE, FL - )Due to its strong financial strength and its commitment to its members to provide banking services at the lowest possible costs, 121 Financial Credit Union has eliminated its $5 monthly maintenance fee for member accounts, effective November 1, 2011, announced William Braddock, CEO of 121 Financial Credit Union.
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121 Financial Credit Union Offering Discounted Health Services To Members Through Its Exclusive Benefits Plus® Program
(JACKSONVILLE, FL - ) 121 Financial is now offering upgraded health services benefits to its members through its exclusive Benefits Plus® program, announced CEO William Braddock. The Benefits Plus program, which provides a variety of discounts for numerous personal services, offers health services discounts that will mean substantial savings for its members, ranging from prescriptions to eyeglasses to corrective surgery.
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121 Financial Credit Union Offering Short-Term 8% Back-To-School Loans
(JACKSONVILLE, FL - ) To help customers handle the expenses of getting their children ready for school this year, 121 Financial Credit Union is offering a short-term 8% APR fixed rate Back-to-School loan for those who qualify.
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121 Financial Credit Union Breaks Ground On Arlington Branch
(JACKSONVILLE, FL - ) 121 Financial Credit Union has broken ground for its newest branch, located at 9730 Hutchinson Park Drive, near the Kendall Town Center, in Jacksonville, Florida.
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121 FCU Adds ZashPay® Service For Online Banking Customers
(JACKSONVILLE, FL - ) 121 Financial Credit Union has added the ZashPay person-to-person (P2P) payment service for its online banking customers, announced CEO William Braddock. ZashPay is a fast, secure and easy way to transfer money electronically, using the recipient’s email address or mobile number, in as little as one business day.
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121 Financial Gives a Boost to Local Relay for Life Efforts
(JACKSONVILLE, FL ) 121 Financial Credit Union spokesperson David Garrard makes appearance with top fundraisers. 121 Financial Credit Union staff were impressed when they heard about the Bartram Trail Relay for Life goal to raise $185,000. Interested in finding a way to make their own contribution, 121 Financial enlisted the help of their spokesperson, Jaguars QB David Garrard. The credit union coordinated with the Relay for Life committee to organize a contest among the participating schools in the Bartram area.
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121 Financial Credit Union Receives Diamond Award for Outstanding Marketing Achievements
(JACKSONVILLE, FL ) 121 Financial Credit Union was recently honored with 2 Diamond Merit Awards, which recognizes outstanding marketing and business development achievements in the credit union industry nationwide.
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2010 Archive

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High School Artists Get Unique Public Showcase
(JACKSONVILLE, FL ) 121 Financial Credit Union gives high school art students a platform to display their talents for the entire Jacksonville community. Following its recent corporate name change, the new 121 Financial Credit Union has begun transitioning its marketing components to the new name. One element involved in the change is 121 Financial’s free standing ATM locations.
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Florida Telco Credit Union Changes Name to 121 Financial Credit Union
(JACKSONVILLE, FL ) After 75 years as a Jacksonville financial institution, Florida Telco has unveiled a new corporate name, 121 Financial Credit Union. Under this new name, 121 Financial will showcase the benefits of credit union membership and accessibility to the public.
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Florida Telco Credit Union Announces Winner of Helping People Every Day Campaign
(JACKSONVILLE, FL ) Florida Telco Credit Union has finished their first Helping People Every Day campaign. Janet Kimmell has won a $750 donation in her name to the Jacksonville Christian Women’s Job Corp. During a one week voting period on Florida Telco’s social network, the JCWJC received the highest voter support.
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