What Makes Our Credit Union So Special? So. Many. Reasons.

Membership is ownership

Whether you’re new to the area or have lived in this community all your life, you know that Jacksonville and the Northeast Florida area are truly special places unlike anywhere else. Our people, our hard work and determination, our pride is what makes this community such a great place to live, work and play. As a member of 121 Financial, you make a conscious decision to invest your money in this community, in its business and in its people. We are proud to be here and we are proud to help our members to improve their lives with modern, affordable financial services.


OUR Community. OUR Credit Union.

Who can Join 121 Financial?

It’s pretty simple and straightforward. If you live, work or attend school in one of the following 11 counties, you are eligible to join 121 Financial Credit Union.

  • Duval
  • Clay
  • St. Johns
  • Nassau
  • Baker
  • Columbia
  • Union
  • Bradford
  • Alachua
  • Putnam
  • Flagler

You’re also eligible if someone in your family is already a member, or if you’re a current or retired employee of a telecommunications company (BellSouth, AT&T, etc.).

Benefits of Membership

121 Financial offers a wide range of low-cost or no-cost financial products and services to assist with all aspects of your life, from saving and spending money to buying a car or home to investing for retirement.

We work to provide truly personalized, one-to-one (get it?) assistance for all of our members, whether that’s in person at one of our full-service branches, remotely via our new Interactive Teller Machines, via email or on the phone with our Contact Center.

And, our online banking and mobile banking put all of your finances right at your fingertips.

  • Benefits That Save You Money

    • Lower fees or no fees for banking products
    • Lower APR rates on credit cards
    • Higher yields on deposit accounts
    • Much lower rates on loan products
    • Discounts on insurance and other products
  • Benefits That Help You Get Ahead

    • FREE retirement and investment planning
    • FREE counseling to help get your finances on track
  • Plus, Amazing Perks

    • Financial seminars and career fairs
    • Free admission to Jacksonville Jumbo Shrimp games ("Member Day")
    • Fun, free in-branch events and giveaways

Ready to Join? It's 100% Free!

Start your application by opening a Share Account and become a member of 121 Financial today!

121 Financial VS. Banks

121 Financial does have some things in common with banks. We both offer savings and checking accounts, loans, and a variety of financial services.

We both federally insure your deposits up to $250,000 (via the FDIC for banks, the NCUA for us).

And we both let you deposit or withdraw money in ways convenient to you, from mobile banking and ATMs/ITMs to stopping by a branch.

But that’s where the similarities end.

Unlike banks, 121 Financial is 100% invested in this community. 

By upholding strong ethical values and a dedication to our members, 121 Financial is the safer, smarter choice for saving and growing your hard-earned money.

  • 100% Owned By You, Our Members

    Our institution is wholly owned by our members and your deposit accounts represent your “share” of the credit union. Banks, on the other hand, are owned by distant Wall Street investors with no local roots, so your money works for their benefit, not yours.

  • We're Not-for-Profit

    As a member, any surplus in money after business expenses is returned to you in the form of higher deposit yields, much lower loan rates, and a host of other benefits. Banks charge higher fees and interest rates so they can make money off of you for their stockholders.

  • You Have a Say about Your Money

    121 Financial is a cooperative organization  that operates on a set of democratic principles and is focused on extending access to financial services to all people. Our Board of Directors is comprised of volunteers who answer not to stockholders like at a bank but to you, the credit union members who elect them.

  • You're Not a Number to Us

    We believe that a person’s value and worth cannot be measured simply in a credit score or bank account balance. We work with everyone where they are and strive to treat all people with the dignity, respect and care they deserve, no matter their financial means or background.

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