Liberty Savings Credit Union Bayonne NJ | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Liberty Savings, your trusted financial partner located at 1347 Kennedy Blvd, Bayonne, NJ 07002. Since our establishment in 1951, we have been committed to serving our community with integrity and dedication. As a member-focused credit union, we pride ourselves on offering personalized services that meet your unique financial needs. At Liberty Savings, we understand that financial journeys can vary greatly from person to person. With a total membership of 16,943, we strive to create meaningful relationships with each of our members. Our robust asset base of $122,031,334 ensures that we can provide you with a wide range of services, including personal banking, auto loans, mortgages, and credit cards with rewards. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to the same address: 1347 Kennedy Blvd., Bayonne, NJ 7002. Our leadership team is here to guide you. Under the direction of CEO Maria Solorzano and Board President Joanne Bruno, we foster an environment where members feel valued and supported. We employ 47 dedicated professionals who are always ready to assist you in achieving your financial goals. With total deposits reaching $3,364,784 and a net worth of $14,976,218, Liberty Savings stands as a reliable choice for your banking needs. Whether you're looking for competitive loan options totaling 11,211 loans and leases or simply want to deposit funds safely while earning interest through our shares deposited amounting to $104,611,276, we've got you covered. Our commitment extends beyond just numbers; we're about building community ties and ensuring our members thrive financially. So why wait? Reach out today at 201-659-3900 or explore our website at libertysavingsfcu.org to learn more about how we can help you succeed. Your journey toward financial stability starts here!

Branch History & Mission

Liberty Savings has a rich history that dates back to its founding in 1951. Since then, we have been dedicated to serving the financial needs of our community here in Bayonne, NJ. Located at 1347 Kennedy Blvd, our branch has been a cornerstone of support for families and individuals, helping them achieve their financial goals and dreams. Over the years, Liberty Savings has grown significantly. Today, we proudly serve over 16,900 members with total assets amounting to $122,031,334. Our commitment to the community is evident not just in our numbers but in the relationships we've built. As we continue to expand our services and member benefits, we remain focused on providing personalized support tailored to individual needs. At Liberty Savings, our mission is simple yet powerful: to empower our members through accessible financial services while supporting the local community. We offer a variety of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. But we don't stop there; we also prioritize community outreach and engagement by partnering with local organizations to uplift those around us. While members can visit us at 1347 Kennedy Blvd for all their banking needs during our operating hours Monday and Wednesday from 10 AM to 6 PM, Tuesday and Friday from 10 AM to 5 PM, Thursday from 9 AM to 4 PM, and Saturday from 9 AM to 1 PM official correspondence should be sent to our mailing address at the same location. We understand that convenience matters. That's why we provide ATM access for quick cash withdrawals and basic shared branch transactions for members of partner credit unions. However, please note that drive-thru banking is not available at this location. We are committed to ensuring ADA compliance so that everyone can access our services comfortably. As we move forward into the future, Liberty Savings remains devoted to embracing digital advancements that enhance your banking experience while maintaining a strong focus on personal service. We invite you to join us as a member of Liberty Savings and discover the benefits of being part of a credit union that truly cares about you and your financial well-being. For more information or to become a member today, visit us online at Liberty Savings or give us a call at (201) 659-3900. Let's build a brighter financial future together!

Branch Location & Accessibility

Convenient Access

We take pride in our welcoming environment, designed with your comfort in mind. Parking is readily available, making it simple to stop by and take care of your financial needs. Our branch is fully ADA compliant, ensuring that everyone can access our services without any barriers. For those who prefer digital banking, we offer online and mobile banking options, so you can manage your accounts from anywhere. If you need to visit us in person, our lobby hours are tailored to fit your busy schedule open Monday and Wednesday from 10 AM to 6 PM, Tuesday and Friday from 10 AM to 5 PM, and Thursday from 9 AM to 4 PM. Plus, we're here on Saturdays from 9 AM to 1 PM for your convenience.

Services Offered

At Liberty Savings, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. If you're looking for business banking solutions or simply need assistance with basic transactions, our friendly staff is here to help. While members can visit us at 1347 Kennedy Blvd, official correspondence should be sent to the same address as there's no separate mailing address. You can also reach us by phone at 201-659-3900 if you have any questions or need assistance before visiting.

Visit Us Today!

So why wait? Come experience the welcoming atmosphere of Liberty Savings today! Whether you're opening a new account or just need some friendly advice about managing your finances, we're excited to assist you on your journey. We look forward to seeing you soon!

Member Eligibility

Joining the Liberty Savings community means becoming part of a supportive network that truly cares about your financial well-being. If you're interested in becoming a member at our branch located at 1347 Kennedy Blvd, Bayonne, NJ 07002, you're in luck! Eligibility is open to those who live, work, worship, or attend school in Hudson County or have family members who are already part of our credit union. It's a straightforward process designed to welcome you with open arms. To learn more about the specific criteria and ensure you meet all the requirements, feel free to check out our detailed eligibility guidelines at this link. Once you find that you qualify, opening an account is just as simple! We've made it easy for you to start your journey with us just visit our online account opening page here. If you have any questions or need assistance along the way, don't hesitate to give us a call at 201-659-3900. We're here to help and excited to welcome you as a new member of Liberty Savings!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify your payment processes. Imagine being able to accept payments seamlessly whether it's through credit cards, debit cards, or mobile wallets. These services not only enhance customer experience but also streamline your cash flow. Located at 1347 Kennedy Blvd Bayonne Nj 07002 in Bayonne, NJ, our team is ready to partner with you on your journey to success. Reach out today at (201) 659-3900 to discover how we can assist your business!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our business members, we offer specialized business banking services, including merchant services and business loans. We know how important it is for local businesses to thrive, which is why we provide tailored solutions to meet your operational needs.

Debt Management

For those looking to simplify their finances, our personal loans and debt consolidation services are designed with you in mind. Picture taking control of your debts with one manageable monthly payment instead of juggling multiple bills. Additionally, our credit cards with rewards allow you to earn benefits on every purchase because why not get rewarded for spending?

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills everything is just a click away. With our ATM and cash withdrawal services available, accessing your money has never been easier.

Personal Banking

Our personal banking services include checking and savings accounts that cater to various lifestyles. Imagine having a checking account with no hidden fees and a savings account that helps you grow your money effortlessly. We also provide auto loans and vehicle financing options, making it easier than ever for you to get behind the wheel of your dream car. Our competitive rates ensure that you can drive away with confidence. If you're considering buying a home, our mortgage loans and refinancing options can help make that dream a reality. We understand that each member's situation is different, which is why we take the time to discuss personalized solutions for both first-time buyers and seasoned homeowners looking to refinance.

Shared Branching Services

We understand that sometimes you might need banking support outside of regular hours or locations. That's where our basic shared branch transactions come into play. As a member of Liberty Savings Fcu City Line, you can perform deposits and withdrawals at partner credit unions across the country. Whether you're visiting us in person or taking advantage of our digital services, we strive to make your banking experience as smooth as possible. We invite you to explore all these offerings by visiting us at 1347 Kennedy Blvd Bayonne Nj 07002 or give us a call at (201) 659-3900. At Liberty Savings, we're dedicated to supporting your financial journey every step of the way!

Digital & Online Banking

Key Features

One of the standout features is our e-statements option. Say goodbye to cluttered mailboxes! You can receive your statements electronically, making it easier to keep track of your finances while also being environmentally friendly. Plus, we offer person-to-person transfers, allowing you to send money to friends or family quickly without needing cash or checks. For those who prefer using their mobile devices, our mobile application is here to help. You can access all your banking needs directly from your smartphone. While we currently do not support mobile payments, our app still provides essential features like checking balances and making transfers with just a few taps.

Security and Convenience

Security is a top priority for us at Liberty Savings. We ensure that all online transactions are protected, giving you peace of mind when managing your finances digitally. Our platform does not require electronic signature authorization, making it simpler for you to complete transactions without unnecessary hurdles. In today's fast-paced world, having real-time access to your accounts is crucial. With our digital banking tools, you're always in charge of your money whether you're at home or out and about. Experience the future of banking with us today at Liberty Savings! For more information on how to get started, visit https://www.lsfcu.org/ and take advantage of everything we offer!

Financial Strength

At Liberty Savings, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is built through transparency and reliability, which is why we want to share some key insights into our financial strength. With a net worth of $14,976,218, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.27% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $16,677,712 in share certificates and $12,808,975 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,650,738, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $14,985,414 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $9,551 in used auto loans and a total of $66,340,340 in loans and leases. Our operational efficiency is reflected in our net income of -$9,196, showcasing our commitment to managing expenses while striving for growth. We also take pride in having 43 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total share accounts stand at 26,806, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Liberty Savings is your trusted partner. Visit us at 1347 Kennedy Blvd Bayonne NJ 07002 or call 201-659-3900 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $13,251,108 in used vehicle loans and $4,010,399 in new vehicle loans to help members get on the road. Whether you're interested in financing a brand-new vehicle or need a reliable pre-owned option, we're here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $8,792,559, providing you with the support needed to secure your dream home. If you're considering refinancing your existing mortgage, our team can guide you through eligibility options that may save you money.

Other Loan Options

For those looking for additional financing solutions, our total credit lines amount to $10,000,000, giving you access to funds when you need them most. Additionally, our commitment extends beyond personal finances; if you're a business owner, be aware that our outstanding commercial loans can provide essential capital for growth and expansion. For any questions about our loan offerings or to explore refinancing options available to you, feel free to reach out at (201) 659-3900. Our team is ready to assist during our operating hours: Monday and Wednesday from 10 AM - 6 PM, Tuesday and Friday from 10 AM - 5 PM, Thursday from 9 AM - 4 PM, and Saturday from 9 AM - 1 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Liberty Savings, we prioritize understanding your unique needs and are committed to finding the best financial solutions for you.

Unsecured Credit Card Loans

Managing finances effectively is key to achieving financial stability. We also offer flexible terms on unsecured credit card loans, with a total of $8,241,671 in loans helping members navigate their spending while building credit. Our credit cards come with competitive rates and rewards programs tailored to enhance your purchasing power.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By leveraging accurate data and maintaining a commitment to transparency, LendMesh helps users navigate the loan market confidently. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach guarantees that users receive fair and transparent offers, allowing them to compare loans without hidden agendas. One of the key benefits of using LendMesh is Verified Data. All loan offers come from legitimate financial institutions, ensuring that users can trust the information they see. Additionally, LendMesh features No Sponsored Listings, meaning lenders are not prioritized based on paid promotions. The goal is to provide unbiased results so that users can make informed decisions based solely on their needs. Another advantage is Real-Time Rate Comparisons. LendMesh updates loan rates regularly from multiple institutions, helping users find the best deals available at any given time. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Liberty Savings