121 Financial Credit Union


Overview / Commentary
904-723-6300
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 558th largest credit union in the nation. It was established in 1935 and as of March of 2020, it had grown to 132 employees and 46,068 members at 13 locations. 121 Financial Credit Union has an A 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 (7)

Personalized Service

Posted by: |

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: |

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: |

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: |

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

Health Grade Components

Overall
NCUA #61605
Year Chartered1935
Employees132
Primary Regulator
Profit Margin
Return on Assets - YTD-1.15%
Return on Equity - YTD-11.93%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$550.9MM$550.6MM
LoansQ1 2020vs Q1 2019$438.6MM$445.5MM
DepositsQ1 2020vs Q1 2019$474.3MM$468.7MM
Equity CapitalQ1 2020vs Q1 2019$52.7MM$52.7MM
Loan Loss AllowanceQ1 2020vs Q1 2019$4.9MM$3.8MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$2.9MM$4.2MM
Real Estate OwnedQ1 2020vs Q1 2019$190.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-IRA Savings
OTHER TIERS: 0.05% $100 - $5k | 0.15% $5k - $50k
0.10%$100-Regular Savings Account
0.10%*$5k*-Reserve Savings Account
OTHER TIERS: 0.05% $100 - $5k
0.10%$100-Holiday Savings Account
0.10%$100-Youth Savings
0.10%$100-Special Purpose Share Accounts
0.10%$100-Summer Savings

121 Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Business Checking
OTHER TIERS: 0.05% $7.5k - $50k
0.10%$2.5k-Right Choice Plus Checking

121 Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$10k-7 Month Special CD-New Money
1.25%$500-60 Month CD
1.20%$500-48 Month CD
1.10%$500-36 Month CD
0.85%$500-24 Month CD
0.75%$500-18 Month CD
0.60%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month IRA
1.20%$500-48 Month IRA
1.10%$500-36 Month IRA
0.85%$500-24 Month IRA
0.75%$500-18 Month IRA
0.60%$500-12 Month IRA
0.30%$500-6 Month IRA
0.20%$500-3 Month IRA
Locations

Availability



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