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Savings Accounts

Saving at 121 Financial Credit Union couldn’t be easier or more convenient.

Regular Savings

This is your basic savings account that holds your $5 deposit which is your “share” in 121 Financial — your part ownership. No matter how much or how little you deposit, all members of legal age get one vote each year for our volunteer board of directors and supervisory committee.


You Receive:

  • 121 FCU Visa® Debit Card
  • A special rate of $4.50/month on our Benefits Plus® Discount Program (compare to regular rate of $6.50/month)
  • Unlimited ATM usage at both 121 FCU and non-121 FCU machines
  • Counter checks for those times when you need a paper check.
  • No monthly checking account fee.


Reserve Savings

This account is where you can stash money for emergencies, or planned events such as weddings, anniversaries, trips, etc. You can make deposits at any time, or you may have money alotted with each paycheck.

Holiday Savings

Do you find yourself stressed at holiday time? Take a little stress away by having funds allotted throughout the year with each paycheck so when it is time to shop for holiday gifts, parties, etc., you won’t have to worry. Funds are distributed October or November (your choice), and the account automatically renews. Withdrawals made anytime other than October or November 1st will result in a penalty fee. Please refer to the Fee Schedule for current amount.

Kids Savings Account
Ages 13 & Under

Let us help you teach your children or grandchildren the importance of saving and planning for the future.

Once you open your child or grandchild an account, they can remain members no matter where they live or work when they grow up.

Learn more about our products for children, teens, and young adults.

Money Market Checking

Want to earn a little more but still have access to your funds? At $2,500 our Money Market Checking account earns dividends and has a generous per-month allowance for accessing the funds.


Term Share Certificates

Want to earn a little more than a Money Market Account? We offer Term Share Certificates. See which one is right for you.


Senior Set Advantage

If you are 50 years or older, we offer discounted Credit Union services.