121 Financial Credit Union

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A short history of 121 Financial CU

Since its inception in 1935 the 121 Financial Credit Union has been serving its members in the Jacksonville, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Bruce Fafard, the 121 Financial CU has grown its membership to over 49,389 with assets of more than $552,907,542. They have a main office and 12 branch offices. Please see the credit unions website or contact them by phone at (904) 723-6300 or email them at mbrsrv@121fcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Jacksonville, FL.

General Information For 121 Financial CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61605
Address PO Box 16688 
City Jacksonville 
State Florida 
Zip-Code 32245
Phone Number (904) 723-6300
Fax Number () -
Email Address: mbrsrv@121fcu.org
CEO/President Bruce Fafard
Members 49,389 
Full-Time Employees 139 
Part-Time Employees 10 
Number of Branch Offices 12 
Total Assets 552,907,542 
Website http://www.121fcu.org 

Compare 121 Financial Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
First Florida CU Blairstone Branch 2521 Blairstone Rd 32301 (850) 414-7290 No 0.61
Community First Credit Union Of Flo CU Arlington 7676 Merrill Rd 32277 (904) 354-8537 No 0.79
Jax CU Atlantic Beach Branch 801 Atlantic Blvd 32232 (904) 475-8000 No 1.56
Jacksonville Firemen's CU Jax. Firemen's Credit Union 6310 Blanding Blvd 32206 (904) 353-4788 No 1.75
First Coast CU First Coast Federal CU 3040 Edison Ave 32254 (904) 387-5660 No 3.11

121 Financial Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

121 Financial Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.74 2.59 2.69 4.50 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 226 93 65 205 100
Rank Among All Florida Credit Unions 21 17 8 32 7

121 Financial Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.15 0.30 0.70 0.70
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 119 97 224 199
Rank Among All Florida Credit Unions 14 15 19 42 23
121 Financial Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.74011,24624,852,391
All Other Unsecured Loans/Lines of Credit 11.6504,22511,867,985
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.5903,97789,934,329
Used Vehicle Loans 2.6905,79890,365,329
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.5001,396153,915,667
Total Other Real Estate Loans/Lines of Credit 4.00074023,450,168
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.5001,69842,744,618
TOTAL LOANS & LEASES 29,080437,130,487

121 Financial Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 48962,367,027324,794,645
    b. 15 Years or less 64250,143,485595,954,473
    a. > 15 years 126,705,2771154,391
    b. 15 Years or less 52,023,1731322,000
Other Fixed Rate 13248,76500
Adjustable Rate 1 yr or less 16110,370,114283,033,727
Adjustable Rate > 1 yr 7422,057,82671,850,704


Closed-End Fixed Rate 1644,548,4453113,304
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 57618,901,723843,607,656
Open-End Fixed Rate 0000
TOTALS 2,136177,365,83521519,830,900


Interest Only & Payment Option 1st Mortgage Loans 115,167,1321,729,073
Interest Only & Payment Option Other RE/LOC Loans 161,603,909589,963
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

121 Financial Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing No
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes