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121 Financial Credit Union
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121 Financial Credit Union Share
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Overview Share
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121 Financial Credit Union is a federally insured state credit union based in Jacksonville, Florida. It has been opened since 1935, for 87 years.

With around $547,480,000 in assets, 121 Financial Credit Union is considered to be a very large credit union. It has 10 branches and 17 ATM locations.

About Share
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Address Po Box 40769
Jacksonville, Florida 32203
Website http://www.121fcu.org
Phone (904) 723-6300
CEO Bruce J. Fafard
President of the Board Michael Hogan
Services Offered
Score Card Share
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87 years
Years in business
Opened in 1935
Well Capitalized
Net worth classification
Source: NCUA
46,295 members
Membership type: State chartered natural person credit union
Above average number of members
343:1
Credit union member to staff ratio
343 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$547,479,699
Total assets
Above average
10 branches
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
9.74%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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10 branches
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
121 Financial Credit Union Branch Locations

121 Financial Credit Union: Touchton
9700 Touchton Road
Jacksonville, Florida 32246
ATM Available
121 Financial Credit Union: Downtown
300 W. Adams Street
Jacksonville, Florida 32202
ATM Available
121 Financial Credit Union: River City (Northside)
14023 Revell Drive
Jacksonville, Florida 32218
ATM Available
121 Financial Credit Union: Middleburg
1714 Blanding Boulevard
Middleburg, Florida 32068
ATM Available
121 Financial Credit Union: Mandarin
12250 San Jose Boulevard
Jacksonville, Florida 32223
ATM Available
121 Financial Credit Union: Uf Health
655 W. 8th Street
Jacksonville, Florida 32209
ATM Available
121 Financial Credit Union: Kendall Town
9730 Hutchinson Park Drive
Jacksonville, Florida 32225
ATM Available
121 Financial Credit Union: Beaches
1856 3rd Street S. Suite 24S
Jacksonville Beach, Florida 32250
ATM Available
121 Financial Credit Union: Westside
8101 Normandy Boulevard
Jacksonville, Florida 32221
ATM Available
121 Financial Credit Union: Orange Park
6072 Youngerman Circle
Jacksonville, Florida 32244
ATM Available
121 Financial Credit Union: Riverside Park Place
701 Riverside Park Pl
Jacksonville, Florida 32204
No ATM
Members Share
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46,295 members
Membership type: State chartered natural person credit union
Above average number of members

With 46,295 members, the 121 Financial Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 90% of credit unions.

Fees Share
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$92
Average fee per member
The average fee per member at the 121 Financial Credit Union is $92, which is very high compared to most credit unions. This rate is higher than 81% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the 121 Financial Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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343:1
Credit union member to staff ratio
343 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
135 staff members
FTE (full-time equivalent)
4% of employees are part-time
132 full-time, 6 part-time

121 Financial Credit Union has 132 full-time staff members and 6 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 96% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. 121 Financial Credit Union has around 343 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$547,479,699
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$14,308
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 77% of credit unions.

121 Financial Credit Union holds a total of $440,340,000 in loans and leases, which is about $14,308 per member on average.

Savings interest rate Share
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. 121 Financial Credit Union pays 0.25%.

Loan rates Share
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9.74%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
8.40%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.99%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.99%
New car loan rate
Compared to 4.0% nationally
4.19%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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3.99%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.62%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Similar Credit Unions to 121 Financial Credit Union

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121 Financial Credit Union: Beaches
Credit Union Branch: 1856 3rd Street S. Suite 24S
Jacksonville Beach, Florida 32250 ATM Available
121 Financial Credit Union: Kendall Town
Credit Union Branch: 9730 Hutchinson Park Drive
Jacksonville, Florida 32225 ATM Available
121 Financial Credit Union: Downtown
Credit Union Branch: 300 W. Adams Street
Jacksonville, Florida 32202 ATM Available
121 Financial Credit Union: Orange Park
Credit Union Branch: 6072 Youngerman Circle
Jacksonville, Florida 32244 ATM Available
121 Financial Credit Union: Westside
Credit Union Branch: 8101 Normandy Boulevard
Jacksonville, Florida 32221 ATM Available
121 Financial Credit Union: Uf Health
Credit Union Branch: 655 W. 8th Street
Jacksonville, Florida 32209 ATM Available
121 Financial Credit Union: Mandarin
Credit Union Branch: 12250 San Jose Boulevard
Jacksonville, Florida 32223 ATM Available
121 Financial Credit Union: Touchton
Credit Union Branch: 9700 Touchton Road
Jacksonville, Florida 32246 ATM Available
121 Financial Credit Union: Middleburg
Credit Union Branch: 1714 Blanding Boulevard
Middleburg, Florida 32068 ATM Available
121 Financial Credit Union: River City (Northside)
Credit Union Branch: 14023 Revell Drive
Jacksonville, Florida 32218 ATM Available