121 Financial Credit Union
Our records indicate that this credit union has been acquired by VYSTAR.
Headquarters
Po Box 40769
Jacksonville, FL 32203
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2024 Overview
General Credit Union Information
121 Financial is an NCUA insured institution located in Jacksonville, FL. It was founded in 1935 and has approximately $693.79 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 | $693.79 million |
| Loans | $485.10 million |
| Deposits | $545.17 million |
| Capital | $64.51 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 - November 2, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $100 | - |
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|
|
Money Market
|
1.10% | $2,500 | $24,999 |
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|
Money Market
|
1.10% | $25,000 | $49,999 |
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|
|
Money Market
|
1.25% | $50,000 | - |
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|
|
Premium Money Market Account
|
1.25% | $50,000 | $249,999 |
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|
|
Premium Money Market Account
|
1.50% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 5 Month Promo
|
4.45% | $25,000 | - |
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|
| 6 Mo CD
|
2.45% | $500 | - |
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|
| 12 Mo CD
|
3.05% | $500 | - |
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|
| 18 Mo CD
|
3.25% | $500 | - |
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|
| 24 Mo CD
|
3.40% | $500 | - |
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|
| 36 Mo CD
|
3.45% | $500 | - |
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|
| 48 Mo CD
|
3.45% | $500 | - |
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|
| 60 Mo CD
|
3.45% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $2,500 | - | Learn More |
Loan Rates - November 2, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.987% | 6.875% | 0.88 | $3,654 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
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More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to 121 Financial
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Branches
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:
Columbus,Ohio
121 Financial Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 659.05 | A | View Lobby Hours | |
| 667.67 | B | View Lobby Hours | |
| 667.98 | C | View Lobby Hours | |
| 669.36 | D | View Lobby Hours | |
| 669.38 | E | View Lobby Hours | |
| 669.55 | F | View Lobby Hours | |
| 671.25 | G | View Lobby Hours | |
| 674.10 | H | View Lobby Hours | |
| 678.19 | I | View Lobby Hours | |
| 682.02 | J | View Lobby Hours |
Climate Policy and Initiatives
121 FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 12.96% | 5.83 |
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 June 30, 2024, 121 Financial had $8,431,832 in non-current loans and $321,469 in owned assets. To cover these potential losses it had $64,509,960 in net worth and $3,046,381 in loans loss reserves. That gives it a Texas Ratio of 12.96%.
Net Worth
| 121 Financial | U.S. Average |
|---|---|
| 9.29% | 13.93% |
121 Financial FCU has a net worth of 9.29% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for 121 Financial
Former member
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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