By choosing to open a savings account at 121 Financial, you become a member of a community-focused, not-for-profit credit union. Our members aren’t merely customers, but are actually partial owners in the credit union with a say over how their savings are handled, in addition to other bonuses. For a full list of member benefits, please visit here.

Whether you’re saving for a rainy day, establishing an account for your child’s college education fund, or just want to set aside a few extra dollars, 121 Financial can help you out. Our team members are always ready to walk you through our available options and help you decide which option is best for you, or to assist in adjusting your existing account type whenever your savings needs change.

Current savings account options include:

Updated March 29, 2017

Regular Savings

This is your basic savings account which holds your $5 deposit that is your “share” in 121 Financial — your part ownership. No matter how much or how little you deposit, all members of legal age get one vote each year for our volunteer board of directors and supervisory committee.

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Counter checks for those times when you need a paper check.
Free Online Banking

Holiday Savings

Do you find yourself stressed at holiday time? Take a little stress away by having funds allotted throughout the year with each paycheck so when it is time to shop for holiday gifts, parties, etc., you won’t have to worry. Funds are distributed October or November and the account automatically renews. Withdrawals made anytime other than October or November 1st will result in a penalty fee. Please refer to the Fee Schedule for current amount.

Youth Savings

Let us help you teach your children or grandchildren the importance of saving and planning for the future.

Once you open your child or grandchild an account, they can remain members no matter where they live or work when they grow up.

Learn more about our products for children, teens, and young adults.

Money Market

Want to earn a little more but still have access to your funds? Our Money Market Checking account earns dividends and has a generous per-month allowance for accessing the funds.

Premier Money Market

This is our high balance money market account. With a $50,000 balance or more, you will earn a higher dividend and have a generous per-month allowance for accessing the funds.


Want to earn a little more than a Money Market Account? We offer a variety of CDs, you choose your own maturity date and start as small as $10. A 121 Financial CD is the perfect way to start saving. Dividends may be reinvested, credited to your 121 savings or checking account, deferred, or withdrawn without penalty

Senior Set Advantage

If you are 50 years or older, we offer discounted Credit Union services.*

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One free box of checks at account opening
Discount on safe deposit box
Three free Cashier's Checks per month
Free check cashing
Free Financial Seminars

*Conditions may apply. See rep for details. Requires at least $500 a month direct deposit to checking account or at least $2,000 in a savings, reserve, money market, certificate, or IRA.