121 Financial Credit Union

Overview / Commentary
701 Riverside Park Place
Jacksonville, FL 32204

121 Financial Credit Union is headquartered in Jacksonville and is the 31st largest credit union in the state of Florida. It is also the 534th largest credit union in the nation. It was established in 1935 and as of June of 2019, it had grown to 126 employees and 45,748 members at 13 locations. 121 Financial Credit Union's CD rates are 12% higher than the national average, and it has a B+ health rating.

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.
See current membership details

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Reviews (8)

Aplusind Financial Loan DEP

Reference ON HOW I GOT MY LOAN FROM Aplius Independent Financial..
contact:::: Phone: +1 (347) 450-3342)---Available On WhatsApp)
You get their Website and other information from anyone who attend to your call/message.
E-mail: aplus_independent_financial @ hotmail.com
E-mail: aplus_independent_financial @ h-mail.us

Remove the space(s) beside the @ on the e mail.
I'll drop my # (857) 309-9566 the aplus help my financial situation witi loan, an..

Personalized Service

Posted by: cbreslin | Jun 22, 2011

I've found the service at 121 Financial to be friendly and personal.  I've compared their rates with others in town and they're pretty much in the middle or upper middle.  They do treat me like a person and not a number.

Best Credit Union In Jax

Posted by: Julia | Jun 22, 2011

Customer service is number 1 - I didn't have to wait long and had a wonderful experience. My loan was approved and I drove straight to the dealership, purchased my new car and was even able to easily set up my payments to be made automatically which gave me .25% discount on my already low rate! Thank you 121 Financial!

Be Afraid .. Be Very Afraid

My experience with 121 Financial CU has not been good. I have been accessed so many fees it is crazy. My other CU in Ohio was never like this!

Loans Go Anywhere Else!

Posted by: Thor01 | Aug 17, 2012

recently I experience some financial difficulties, I was supposed to get a extension on 2 accounts. my auto loan and a on secured revolving line of credit. the truck never got 30 days past due, the unsecured line 60 days. my member privileges revoked I can only deal with collections even current though now. however the unsecured line of credit, basically a credit card goes over 30 days, collections calls and threatens to repo my current truck. stay away!

The WORST Credit Union In Town

I hav been with 121 (previously Florida Telco) for 8 years.  I have a checking account, a savings account, and have had a personal loan with them.  Everytime I go (no matter which branch), I get the worst service of any bank/credit union I have ever dealt with.  I closed my accounts today and would advise anyone looking for a credit union or bank to look elsewhere.  The rates are high and the service is bad to say the least. 

Stay Away From Fla Telco (121 Fian)

 Has to be the worst experience with a credit union I have ever had.  No costumer service, high and shady fees, and loan practices that border on the Illeagal in my opinion. Get your loans and accounts anywhere but here

Florida Telco They See How Far Your Money Can Go For Them

Posted by: Anonymous | Mar 21, 2011

FL Telco has been the worst experience with a lending institution I have ever had. No customer service, fee driven, and practices that border on outright fraud. Stay away from FL Telco.


Health Grade Components

NCUA #61605
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD5.28%
Annual Interest Income$12.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$547.4MM$559.3MM
LoansQ2 2019vs Q2 2018$445.2MM$449.5MM
DepositsQ2 2019vs Q2 2018$464.8MM$474.7MM
Equity CapitalQ2 2019vs Q2 2018$53.9MM$50.6MM
Loan Loss AllowanceQ2 2019vs Q2 2018$4.0MM$4.4MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.6MM$3.8MM
Real Estate OwnedQ2 2019vs Q2 2018$342.00K$135.00K
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Always verify rates and promotions with the bank or credit union. We are not 121 Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

121 Financial Credit Union Savings Account Rates

0.30%*$50k*-IRA Savings
OTHER TIERS: 0.05% $100 - $5k | 0.15% $5k - $50k
0.25%$100-Regular Savings Account
0.25%$100-Reserve Savings Account
0.25%$100-Youth Savings
0.25%$100-Special Purpose Share Accounts
0.25%$100-Summer Savings
0.01%$100-Holiday Savings Account

121 Financial Credit Union Money Market Rates

0.40%$50k-Premier Money Market
0.30%*$20k*$50kMoney Market Account
OTHER TIERS: 0.25% Up to $20k

121 Financial Credit Union Checking Account Rates

0.10%*$50k*-Business Checking
OTHER TIERS: 0.05% $7.5k - $50k
0.10%$2.5k-RightChoice Plus Checking

121 Financial Credit Union CD Rates

2.26%$500-60 Month CD
2.00%$10k-7 Month Special CD-New Money
1.75%$500-48 Month CD
1.65%$500-36 Month CD
1.50%$500-24 Month CD
1.25%$500-18 Month CD
1.01%$500-12 Month CD
0.30%$500-6 Month CD
0.20%$500-3 Month CD
0.20%$10-24 Month Right Course CD
0.05%$10-12 Month Right Course CD

121 Financial Credit Union IRA Rates

2.46%$500-60 Month IRA
1.95%$500-48 Month IRA
1.85%$500-36 Month IRA
1.70%$500-24 Month IRA
1.45%$500-18 Month IRA
1.21%$500-12 Month IRA
0.30%$500-6 Month IRA
0.20%$500-3 Month IRA


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