Did you get a new cell phone for Christmas?

You can donate your old one to "Cell Phones for Soldiers" at any 121 FCU branch. Just look for the donation box, or request a Postage-Paid envelope!

Cell Phones for Soldiers is a non-profit organization dedicated to providing deployed and returning troops cost-free methods to communicate with family while serving in the United States military. You can read more about this charity a http://cellphonesforsoldiers.com/

IRAs were created by Congress over 30 years ago

to help Americans protect and enhance their

retirement security. Today, IRAs are the largest

component of the U.S. retirement market (over

25% according to the Investment Company

Institute, June 2009). Here are some guidelines

to help you decide if you should be contributing

to IRAs.

As a member of 121 Financial Credit Union, you and your family are entitled to Benefits Plus®, the most valuable membership program available anywhere! For a low monthly membership fee(1), you can take advantage of all of these exciting benefits, discounts, and rebates on products and services you use every day. We're so sure you'll have much more than the small program cost, we're giving it to you FREE for 90 days, just to try it out.

Finally a loan that is just enough to help you through a tight time without extending debt for years! For a fixed rate as low as 8% APR for 12 months, you can borrow
up to $2,500 to help pay off your holiday bills or for
anything else you need. Just ask for the Budget Loan
at any branch, online, or by calling 904.723.6300.

Visit 121fcu.org/resources for financial education and counseling resources, video libraries, and FREE budgeting software.

121 Financial Credit Union Employees hosted a Christmas Party for the residents of the Florida Baptist Children's Home, which is a faith-based organization dedicated to providing services to abused, neglected and orphaned children. The CU's emploees and departments adopted a child, supplying all of the items on the child's Christmas wish list. In addition, 121 Financial donated two bicycles to each of the home's cottages for use by all of the children. The party featured a visit by Santa Clause, elves and a gingerbread man. The children played games, decorated Christmas Stockings and customized cupcakes.

Reported in the CU Times, 2012.