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121 Financial Credit Union

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121 Financial Credit Union Rates & Review April 2026

Q: Is a member application needed to join 121 Financial Credit Union?

Yes, to access services at 121 Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 121 Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 14, 2026

You can compare 121 Financial Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.55%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 2.78%. Savings rates are at 0.10% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 6.24%. All these rates can be compared to 121 Financial Credit Union rates. MonitorBankRates evaluates the financial stability of 121 Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.86%. Rates were last updated on 04/14/2026.

121 Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 121 Financial Credit Union? Share your experience about 121 Financial Credit Union by leaving a review below, or read customer reviews before you decide to use 121 Financial Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.86%

Excellent Lower than avg

121 Financial Credit Union
Riverside Park Place

701 Riverside Park Pl
Jacksonville, FL 32204 3358

https://www.121fcu.org

Current Rate Availability

We do not have 121 Financial Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 121 Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 121 Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 121 Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 121 Financial Credit Union

Website https://www.121fcu.org

Address 701 Riverside Park Pl, Jacksonville, FL 32204 3358

Phone 904-723-6300

Fax

President Harold Boree

CEO David Marovich

Full-Time Employees 137

Part-Time Employees 3

Branch Locations 7

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.86%

Return on Assets (ROA)

0.1625%

Return on Equity (ROE)

1.7951%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

709,879,981

Total Amount of Shares and Deposits

565,978,237

Total Shares and Deposits < 1 Year

551,508,905

Total Shares and Deposits 1 3 Years

12,204,614

Total Shares and Deposits > 3 Years

2,264,718

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

26,489,452

Total Uninsured Shares and Deposits > $250K (F+J)

26,489,452

Total Insured Shares and Deposits > $250K (item 17 less item K)

539,488,785

Total Interest Expense (Sum of items 6 8)

4,995,286

Share Certificates

2,521

Number of Accounts for Share Drafts

33,735

IRA KEOGH Accounts

1,843

Number of Accounts for Regular Shares

57,512

All other shares

532

Money Market Shares

5,142

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

73,681,577

Total Liabilities

663,803,615

Source: NCUA — Last Updated 09/30/2023

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Frequently Asked Questions About 121 Financial Credit Union

Is 121 Financial Credit Union a safe place to deposit money?

Yes, 121 Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 4.8643605801033%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does 121 Financial Credit Union operate?

121 Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 121 Financial Credit Union?

Yes, to access services at 121 Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 121 Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 121 Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 121 Financial Credit Union offer online and mobile banking?

Most modern institutions like 121 Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.121fcu.org.