121 Financial Credit Union
Spring eNewsletter

If you have any questions regarding the content of this eNewsletter, please contact us mbrsrv@121fcu.org, or call 904-723-6300. We are happy to help! 

Your Mortgage Questions Answered

- As Seen on 4 Your Money, Saturday March 31, Channel 4 The Local Station, WJXT


By Cathy Hufstetler, Director of Lending
121 Financial Credit Union

Question: Is this a good time to buy a house?
Answer: House prices are low so it may be the
time to consider a home purchase. Qualifying for
a mortgage is harder than it used to be but that's
actually a good thing. It means that lenders are
reviewing loans more closely to make sure you
can afford the house payment. With the economy
and the housing crisis, there are still people struggling
to make their mortgage payment.


Get Your Financial House in Order

-March 10, 2012 at our Southside Branch on Touchton Road


Now is the time for taking the first step to becoming financially fit by calling 121 Financial Credit Union.
Our experts can help you find 
ways you can make your money work harder and smarter for you and
get your financial 
house in order.

Board of Directors & Supervisory Committee

- Call for Nominations


Do you have what it takes to be a Board or

Supervisory Committee member? The Board of

Directors has the responsibility for the general

management of the affairs of the Credit Union

and for setting policies for its operation, while

the Supervisory Committee has the responsibility

to protect, look after and attend to the

examination of the affairs of the credit union.

If you have the experience and the desire to

help your credit union, we are looking for you!

A "nomination application" and other important

information is available online at 121fcu.org/nominate
or by contacting 
the Administration Department at
All applications must be received via
U.S. Mail 
and postmarked by July 31, 2012, (no faxes
emails please). Once complete, please mail to:


Nominating Committee

121 Financial Credit Union

PO Box 16688

Jacksonville, FL 32245


The next Annual Meeting will be held March 9,

2013, at UNF with the business meeting starting

at 7 p.m.


121 Financial CU & the Jacksonville Community


When we renamed the Credit Union in 2012, one reason we chose the name 121 was to symbolize our one-to-one dedication to our members and our community. Our staff has embraced the philosophy whole-heartedly with their participation and support of local and national charities (with local chapters). This year the Employee Forum, a group of volunteer staff, have chosen several charities to support. So far this year, our staff - with the help of our members - has raised over $1300 for MDA, our first quarter charity, by selling shamrocks and buying "dress down days."


Autism Speaks is our second quarter charity and we have begun selling puzzle pieces to staff and members to support our local chapter, and we also will raffle off a giant cupcake (valued at $55) donated by Sweet! by Holly, located in the Town Center. If you'd like to enter the raffle, you can purchase a ticket for $5 at any branch until June 30, and a winner will be drawn on July 2.

How Much Retirement Income will You Really Need?

- Many people underestimate lifestyle costs, medical expenses and inflation.


Presented by Randy Nakamura, CFP®, CRPC®

What is enough? What is not enough? If you're

considering retiring in the near future, you've

probably heard or read that you need about

70% of your end salary to live comfortably in

retirement. This estimate is frequently repeated,

but that doesn't mean it's true for everyone; it

might not be true for you.

Identity Theft & Benefits Plus®

- Your First 90 Days FREE!


A "good Identity" is worth more than gold to a

thief, and even when you do everything right -
you shred, you don't respond to phishing attempts
or text 
scams - sometimes the bad guys find another
way. But you 
don't have to worry if you're a Benefits
Plus® member. Once 
you've joined this exclusive

program, you can use their Identity Theft Protection
Security Center at no extra cost.


The Benefits Plus® Identity Theft Protection & Security
Center provides you with the tools 
to help you and your
family avoid identity theft.

Jacksonville Sharks Fan?


If you're a fan of the 2011 ArenaBowl Champion Sharks and want to show your loyalty,we have a new credit card design you can choose. 

From now until June 30, we'll waive the $10 card replacement fee if you'd like to get this new design.

32nd Annual Jacksonville Kingfish Tournament 


Join us at the 32nd Annual Greater Jacksonville Kingfish Tournament - we're proud to be their Banking
Sponsor. We will have a booth, giveaways and 121
ATMs will be available. For more information on the
tournament, including registration information, visit www.kingfishtournament.com.

Empower Teens to Save


National Credit Union Youth Week just passed
and nine local children won a bicycle just for
dropping by a branch and registering. Along with
their registration "tweens" and teens received a
free My Money Management guide. 


Gail Lewis,
Director of Lending at 121 Financial, recently
appeared on WJXT's 4 Your Money segment with
anchor Jason Law (above right) and a former workshop
attendee, Joel Oliver, age 14, to talk about SMART
goals and how using this method helped Joel save
his own money towards an iPad.


Debit Card Details


There are two kinds of transactions available
when you use your debit card, and they both
withdraw money from your checking account,
albeit in different ways.

In This Issue
Get Organized Financially in 2012
Investing with IRAs
Empower Teens to Save
Debit Card Details

Holiday Closings
Memorial Day
Monday, May 28

Upcoming Events


Shred Day  May 5, 2012
9am - Noon


Special Rates
Car Sale 

June 16,2012
8am - 4pm
Southside Branch

9700 Touchton Rd.