The 121 Financial Learning Center Get Money Smart, Credit Wise, & Saving Savvy
Sort Articles By Topic:
- All Articles
- Ask Ms. Gail
- Budgeting & Saving
- Credit Health
- Debt Management
- Monitoring & Protection
- Mortgages & Loans
- Phone Scams
- Social Media Scams
- Tech & Device Scams
- Text Message Scams
- Tips for Kids & Teens
- Web & Email Scams
- Webinars & Seminars
Ask Ms. Gail: What is the difference between a credit score and a beacon score?
QUESTION: What is the difference between a credit score and a beacon score? Answer: Actually they are one and the same. You will hear credit score referred to as your […]
Ask Ms. Gail: What is a credit score and what makes it up?
QUESTION: What is a credit score and what makes it up? Answer: Your credit score is made up through the credit bureau, it’s based on the credit you have and […]
Ask Ms. Gail: Membership is ownership. What does that mean?
QUESTION: Membership is ownership. What does that mean? Answer: When we say membership is ownership, we mean exactly that. When you walk in and open an account with us, you […]
Ask Ms. Gail: Should I take out a HELOC to pay off credit card debt?
QUESTION: Should I take out a HELOC to pay off credit card debt? Answer: Normally we are not going to recommend that. We would recommend that you talk more extensively […]
Ask Ms. Gail: What are the benefits of being a member of 121 Financial Credit Union?
QUESTION: What are the benefits of being a member of 121 Financial Credit Union? Answer: The benefits of being a 121 Financial Credit Union are endless. You are going to […]
Ask Ms. Gail: What does credit union mean? Do I have to work somewhere special to be a member?
QUESTION: What does credit union mean? Do I have to work somewhere special to be a member? Answer: You do not have to work anywhere special to be a member […]
Ask Ms. Gail: What do I need to become a member of 121 Financial Credit Union?
QUESTION: What do I need to become a member of 121 Financial Credit Union? Answer: You would need your ID. You need to make sure your current address is what’s […]
Ask Ms. Gail: Do I need to have credit and how do I build good credit?
QUESTION: Do I need to have credit & how do I build good credit? Answer: Yes, we all need a credit file. To build good credit, the one thing you […]
Ask Ms. Gail: Is it hard to switch my accounts over to 121 Financial Credit Union?
QUESTION: Is it hard to switch my accounts over to 121 Financial Credit Union? Answer: No, it is not. You can actually do it online or you can see one […]
Ask Ms. Gail: How do I build credit safely If I don’t have any credit?
QUESTION: How do I build credit safely If I don’t have any credit? Answer: Since we are all aware you need a credit file, you can build your credit by […]
Ask Ms. Gail: How much money do I need to open an account with 121 Financial Credit Union?
QUESTION: How much money do I need to open an account with 121 Financial Credit Union? Answer: For a basic savings account you need a 5 dollar deposit. For a […]
Ask Ms. Gail: I heard I can get pre-approved for an auto loan. What does this mean?
QUESTION: I heard I can get pre-approved for an auto loan. What does this mean? Answer: You can get pre-approved for an auto loan and get a draft to use […]
Ask Ms. Gail: I went through some hard times and messed my credit up. Should I apply for credit with 121 FCU?
QUESTION: I went through some hard times and messed my credit up. Should I apply for credit with 121 Financial Credit Union? Answer: Absolutely you should. 121 Financial Credit Union […]
Ask Ms. Gail: I’m buying my first car. Should I go to 121 Financial Credit Union?
QUESTION: I’m buying my first car. Should I go to 121 Financial Credit Union? Answer: Absolutely. We have a first-time buyer program where we can assist you with that from […]
Ask Ms. Gail: What do I need to apply for credit with 121 Financial Credit Union?
QUESTION: What do I need to apply for credit with 121 Financial Credit Union? Answer: When you come in to apply for credit you are going to always need your […]
Investment Scams
Scam artists are out in full force and looking for ways to con unsuspecting consumers out of their hard-earned cash. The world of investing has always been risky, but the […]
Ask Ms. Gail: Do I need a co-signer on a loan?
QUESTION: Do I need a co-signer on a loan? Answer: Not necessarily. There are people that can apply for a loan with their name only. 121 Financial Credit Union is […]
Online Courses
It's cool to stay in school! 121 Financial members have access to free online courses provided by our education partners, GreenPath Financial Wellness.
Latest Learning Center Posts
Jacksonville's Hometown Credit Union
Find out why people are "dumping the big banks" for the credit union difference!
Subscribe for 121 Updates!
Enter your email below to be the first to know about the next 121FCU educational events, member and community fun, and latest news!
The 121FCU Blog
121 FCU Blog
- Two of Jacksonville’s Largest Credit Unions Donate $10,000 to Make Thanksgiving Brighter for Brentwood Community December 4, 2023
- Fixed vs Adjustable Rate Mortgage: Finding Your Ideal Home Loan November 3, 2023
- How to Recover From a Financial Setback: 10 Tips to Help You Bounce Back October 27, 2023
- What Is An Investment Portfolio and How to Build One October 20, 2023
- What Is A Debt Management Plan and How Does It Work? October 13, 2023
