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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
904.723.6344. All applications must be received via
U.S. Mail and postmarked by July 31, 2012, (no faxes
or emails please). Once complete, please mail to:
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 withanchor 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.
Monday, May 28
Shred Day May 5, 2012
9am - Noon
8am - 4pm
9700 Touchton Rd.