Have you noticed that your bank charges you a number of fees, even to simply access your own money? If these hidden charges are irritating you, you’re not alone. Across the country, many consumers are switching to credit unions to handle their personal finances—these institutions don’t require transfer fees, ATM fees, or processing fees for checks.
A credit union is a financial institution that is owned and regulated by its own members. Even though a credit union doesn’t charge some typical banking fees, it still offers a range of important services, including loan options and interest-bearing savings accounts. This video highlights some of the advantages of switching to a credit union by comparing the service to that of a traditional bank.
Do you want to learn more about credit unions? Schedule a meeting with 121 Financial Credit Union of Jacksonville by calling (904) 638-8026.
We are very happy customers of yours, for about ten years now.
Our every contact with each of your departments has truly been pleasant for us. From Sharon to Sue, to Wendy, Cheryl and Gayle in the loan department to Jerry at the call center - honestly, we have received nothing less than excellent care from very friendly,...
Your customer service representative, Jerry, is doing outstanding work! For two years he has not only addressed and solved every dilemma that I have presented to him but he has also exceeded my expectations. Furthermore, he continuously provides me with information/tools that I did not even know I needed - making my banking...
If your monthly bills are adding up and you’re having difficulty meeting your financial obligations, these may be signs that indicate you need to develop a better money management strategy. By analyzing how you are spending your money, setting aside savings with your credit union, and creating a plan for paying off your debts, you can take better control of your finances. Here are some steps to get you started:
Analyze your budget:
One of the most important things you need to do in order to organize your finances is to figure out what you have been spending your money on in the first place. You can utilize your credit union’s electronic banking services to discover how you have been allocating your money over the past several months. For example, if you’ve been spending a large percentage of your money eating out or getting morning coffee, you can save money by cutting down on these luxury expenses.
Create a debt-payoff strategy:
It can be difficult to get your finances in order if you fail to address the credit card, student loan, medical, or vehicle debt that you still owe. Instead of ignoring these financial obligations, you need to take some time to create a detailed debt-payoff strategy. Depending on your financial circumstances, this plan may involve paying off the debts with the highest interest rates first or transferring any eligible credit card balances to 0% APR balance transfer cards.
Write down your personal financial goals:
Once you have analyzed your current budget and developed a strategy to pay off your debt, you should write down your financial goals on a per-month basis. By having your monthly goals in writing, you can keep yourself on track and motivated to improve your financial independence.
Learn more about managing your finances by contacting 121 Financial Credit Union of Jacksonville, FL. We offer a full range of financial services and unparalleled customer service. To contact a representative of our credit union, call (904) 638-8026.
Jacksonville, Fla.; March 6, 2013 – Through special arrangements made by 121 Financial Credit Union, this year’s Space Night event at Durbin Creek Elementary School in northern St. Johns County, will feature a display of rocks brought back from the moon by the National Aeronautics and Space Administration (NASA).
The credit union made arrangements for Diedre Adams, an Einstein Fellow with NASA and currently a teacher with Vigo County School Corporation in Indiana, to bring the NASA display to the St. Johns school event on March 15 from 6:00 – 8:30 p.m. Ms. Adams is part of a specially trained team that handles and transports the moon rocks for the purpose of education at schools and museums.
While the Durbin Creek event is designed for the school’s students and parents, the public is allowed to attend. A $5 donation per person is requested for admission to help support the school’s academic expenses. Last year over 1,200 people attended.
“This is the third year we have participated in the event,” explained Cindy Breslin, Vice President of Marketing for 121 Financial. “Our credit union tries to take every opportunity possible to support youth education. And even though youth financial education is our primary focus, we frequently participate in many aspects of education that will help develop our young people. We are just fortunate that we have the connections to be able to bring something as extraordinary as the moon rocks to Jacksonville, and to enhance the Durbin Creek Space Night’s experience.”
Other activities at the Space Night event will include telescopes for viewing the stars, a laser light show, a NASA presentation and other fun activities for the entire family.
“We are extremely excited and grateful that 121 Financial could bring in the moon rocks for our event,” said Angie Conlan, Durbin Creek Partners in Education Coordinator. “It’s the support of corporate sponsors like 121 Financial that really adds to the learning experience for our kids.”
The last time the moon rocks made an appearance in Jacksonville, was in November 2010, when 121 Financial Credit Union brought in Ms. Adams and her display for the re-opening of the Bryan-Gooding Planetarium at the Museum of Science and History (MOSH).
Between 1969 and 1972 six Apollo missions brought back 842 pounds (382 kilograms) of lunar rocks, core samples, pebbles, sand and dust from the lunar surface. In addition, three automated Soviet spacecrafts returned with samples totaling approximately three quarters of a pound from three other lunar sites. With the cutback in the U.S. space program, no future lunar samples are expected to be collected.
The lunar material is considered a national treasure, and with the exception of two sets of goodwill gifts presented to 135 nations, the 50 states and the U.S. provinces, NASA maintains it has never gifted or otherwise provided any individual with a piece of the moon. Even the astronauts were not permitted to keep a rock for themselves. Instead, the space agency has recently been presenting moon rocks in name only to the early Mercury, Gemini and Apollo crew members to be put on permanent public display.
Durbin Creek Elementary is located at 4100 Race Track Road, just south of Jacksonville, Florida. Phone is (904) 638-8026.
121 Financial Credit Union offers full banking and loan services to any individual and small business located throughout Northeast Florida. Established in 1935, 121 Financial Credit Union has over 40,000 members.
You know the drill: super selection with miniature rates!
Mark your calendar now and join us at the Touchton location Saturday, June 8th from 8 am to 4 pm. Rates will start as low as 1.89% APR up to 60 months, and 2.64% APR up to 72 months on models 2007 and newer from Tom Bush Autoplex. We'll have lunch and snacks to help make your car-buying experience easy! Watch for details and how to apply for approval prior to the sale. www.121fcu.org/carsale