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Starting Fresh

If your credit score is 500 or below, and you fit the following criteria, we will open a savings account for you and any other product or service you qualify for – such as a CD, Online Banking, Holiday/Reserve Savings, and even some loans such as a secured credit card and more!

Most importantly, you'll be able to participate in our Financial Coaching & Education program with our trusted partner, Accel. The counselors at Accel are professionals who can help you rebuild your credit the right way. There are no gimmicks and the service is free for our members. All you will need is a copy of your credit report which you can get at no cost at

You’re eligible if:

  • You have not caused 121 Financial Credit Union a loss
  • You have not caused any deposit-related losses to any financial institution (even if included in bankruptcy)
  • There are no unpaid returned checks (even if included in bankruptcy)
  • There are no collection or judgments from CUMIS Insurance (even if included in bankruptcy)

Call us at 904.723.6300 or stop by today and get started on the road to financial recovery!