121 Financial


Po Box 40769
Jacksonville, FL 32203
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.60% 0.70% →
2-Year CD 0.75% 0.75% →
5-Year CD 1.00% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

121 Financial is an NCUA insured institution located in Jacksonville, FL. It was founded in 1935 and has approximately $622.96 millions in assets.

Who can join?

Membership is available to individuals who work, live or attend school in the Florida counties of Duval, Clay, St. Johns, Nassau, Baker, Columbia, Union, Bradford, Alachua, Putnam, and Flagler and their immediate families*.

Membership in 121 Financial Credit Union is also available to employees (active or retired) and their immediate families of companies providing telecommunications services; and to organizations whose members are of the same general group regardless of where they live.

*The immediate family is defined to include any person related to the primary member by blood or marriage.

NCUA Insured Yes / State-Chartered
Charter Number # # 61605
Date Established 1935
Assets $622.96 million
Loans $433.75 million
Deposits $559.12 million
Capital $54.54 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Duval, Clay, St. Johns, Nassau, Baker, Columbia, Union, Bradford, Alachua, Putnam, and Flagler counties of Florida.

Deposit Rates - July 27, 2021

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 27, 2021

Your Current Location: Washington, WA 98109

There are currently no loan rates available for 121 FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.465% 3.375% 0.63 $2,812 $1,106 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
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Note to 121 FINANCIAL
To upload and update your bank's rates please register. It is free to register and add rates.



Below are 121 Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

121 Financial Locations

Financial Details

121 Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 121 Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
121 Financial U.S. Average
7.83% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, 121 Financial had $3,871,982 in non-current loans and $745,588 in owned assets. To cover these potential losses it had $54,542,503 in net worth and $4,423,975 in loans loss reserves. That gives it a Texas Ratio of 7.83%.

Net Worth
121 Financial U.S. Average
8.75% 12.20%

121 Financial FCU has a net worth of 8.75% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About 121 Financial

Branches and Savings

What is 121 Financial?

A credit union, registered with the NCUA under certificate #61605.
Learn more about credit unions here.

Is 121 Financial FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. 121 Financial is insured by the NCUA.

Who can join 121 Financial?

Please see Field of Membership information above for information on who is eligible to join.

What are 121 Financial's share account and share certificate rates?

121 Financial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is 121 Financial?

121 Financial has total capital of $54.54 million. Full information on 121 Financial's financial position is located above.

Who owns 121 Financial?

Credit Unions are owned by their members.

Where are 121 Financial branches located?

See branch locations nearby.

Are 121 Financial ATMs Open 24/7?

Do 121 Financial ATMs accept cash deposits?

Can 121 Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does 121 Financial have a mobile app?

Does 121 Financial have mobile deposit?

Does 121 Financial have quick pay?

How can 121 Financial transfer money to other banks or credit unions?

Does 121 Financial report to credit bureaus?

Does 121 Financial use Chexsystems?

Does 121 Financial use Equifax?

What is 121 Financial's toll free phone number?

What is 121 Financial's ACH Routing Number?

What is 121 Financial's SWIFT code?

Where can I find 121 Financial's wire transfer form?

What is the 121 Financial address for deposits?

What Products Does 121 Financial Offer

Does 121 Financial offer mortgages?

Compare mortgage rates here.

Does 121 Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 121 Financial offer auto and RV loans?

Compare auto loan rates here.

Does 121 Financial offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for 121 Financial

  • October 17, 2018

    This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank

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