121 Financial Credit Union was founded in 1935 and member is available to individuals that live, work, or attend school in 11 specified counties, or have a family member who is already a member or are current or retired employees of telecommunications companies like BellSouth and AT&T. 121 Federal credit union offers commercial loans, commercial deposit accounts; consumer and small business savings accounts, checking and money market accounts, certificates of deposit, individual retirement accounts, health savings accounts, credit cards, consumer loans, mortgages, and retirement, investment and insurance services.