Ask Ms. Gail: Can I open an account with 121 FCU without moving everything over?
QUESTION: Can I open an account with 121 FCU without moving everything over? Answer: Absolutely, you can. You do not have to move everything over to open an account with […]
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 […]
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: 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 do I get my child started towards financial wellness?
I’m Gail Lewis with 121 Financial Credit Union. I’ve been with the credit union about 37 plus years, and I am the Financial Education Specialist. Question 1: I just graduated […]
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: 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: 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 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 […]
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: 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 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 […]
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121 FCU Blog
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