Liberty Savings Credit Union Jersey City NJ | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Liberty Savings, where we believe in putting our members first. Located at 660 Newark Ave, Jersey City, NJ 07306, our credit union has been a trusted financial partner since 1951. With over 16,900 members and total assets exceeding $122 million, we are dedicated to helping you reach your financial goals. At Liberty Savings, our commitment to community shines through in every service we offer. From personal banking solutions like checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards, we strive to provide options that fit your lifestyle. Our leadership team, led by CEO Maria Solorzano and Board President Joanne Bruno, works tirelessly to ensure a welcoming environment where you feel valued. While you can visit us at our branch for assistance, please note that official correspondence should be sent to our mailing address at 666 Newark Avenue, Jersey City, NJ 7306. We're here to support you with not just the best financial products but also personalized service that makes a difference. With a strong net worth of $14,976,218 and cash reserves of $1,038,778, Liberty Savings is financially sound and ready to help you with your needs. Whether you're looking for loans (we have provided over 11,211 loans) or want to make deposits (with total deposits around $3,364,784), we've got you covered. Feel free to reach out at (201) 659-3900 or explore our website at Liberty Savings for more information. We're excited to serve you!

Branch History & Mission

Community Commitment

Our commitment extends beyond banking; we actively participate in community outreach efforts aimed at enhancing the lives of those around us. Whether it's hosting financial literacy workshops or partnering with local charities, Liberty Savings believes in giving back to those who have supported us throughout the years. While members can visit us at 660 Newark Ave, official correspondence should be sent to 666 Newark Avenue, Jersey City, NJ 7306. We invite you to experience the warm welcome of our team during our operating hours: Monday, Wednesday, and Friday from 10 AM - 5 PM; Tuesday and Thursday from 10 AM - 6 PM.

Join Us

As we look forward to continuing this journey together with you, we invite anyone seeking financial guidance or looking for a supportive community bank experience to join Liberty Savings. Discover how you can benefit from our services while contributing to a thriving local economy. For more information or assistance, please reach out at 201-659-3900 or visit us online at Liberty Savings. Together, let's build a brighter future!

Our Journey

From our inception, Liberty Savings has been dedicated to providing accessible financial services tailored to meet the needs of our community. Over the years, we have celebrated numerous milestones that have marked our evolution. Our commitment to excellence in service has allowed us to expand our offerings beyond basic banking. Today, we provide a range of services including personal banking accounts, auto loans, mortgage options, and business banking solutions. Our headquarters is located in Jersey City, where we remain closely connected to the local economy and culture. As part of our mission, we strive not just to support individual financial goals but also to uplift the community through various outreach programs and partnerships with local organizations.

Our Mission

At Liberty Savings, our mission is simple yet profound: we aim to empower our members by providing exceptional financial services while fostering a spirit of community support and collaboration. We believe that when our members thrive financially, so does the community as a whole. This guiding principle drives us to innovate continuously and enhance our service delivery. We are proud to offer advanced digital tools such as online banking and mobile applications to ensure that managing your finances is easy and convenient. Additionally, we prioritize accessibility by maintaining ADA compliance across all branches.

Branch Location & Accessibility

Welcome to Liberty Savings, your friendly financial partner located at 660 Newark Ave in the heart of Jersey City, NJ. We are dedicated to making banking easy and accessible for our members. Nestled close to local landmarks like the Jersey City Medical Center and just a short drive from Liberty State Park, our branch is ideally situated for both residents and commuters alike. At Liberty Savings, we prioritize convenience. Our branch features ample parking options, ensuring that you can easily access our services without any hassle. For those who may need assistance, our facilities are ADA compliant with ramps for easy entry. We understand that your time is valuable. That's why we offer flexible operating hours: visit us on Mondays, Wednesdays, and Fridays from 10 AM to 5 PM, or on Tuesdays and Thursdays from 10 AM to 6 PM. Unfortunately, we are closed on Saturdays, but you can still reach us via phone at 201-659-3900 during business hours. In addition to traditional banking services such as checking and savings accounts, auto loans, and mortgages, Liberty Savings also offers ATM access for quick cash withdrawals and balance checks. Plus, as part of our commitment to community banking, we provide basic shared services for partner credit union members. While members can visit us at our main branch address, official correspondence should be sent to our mailing address at 666 Newark Avenue, Jersey City, NJ 7306. Whether you're looking for personal banking solutions or need assistance with business banking services, we invite you to stop by or give us a call. Our friendly team is here to help you with all your financial needs!

Member Eligibility

At Liberty Savings, we're excited to welcome you into our community where your financial well-being is our priority. Joining us is simple! Membership is open to anyone who lives, works, worships, or attends school in Hudson County, NJ. We believe that everyone deserves access to friendly and personalized financial services, which is why we strive to create an inclusive environment for all. If you're ready to take the next step in your financial journey, you can easily open an account online or visit us at our branch located at 660 Newark Ave Jersey City NJ 07306. For detailed eligibility criteria and to check if you qualify, please visit our website at Liberty Savings Membership Eligibility. If you have any questions or need assistance, feel free to give us a call at 201-659-3900. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions to empower local enterprises.

Merchant Services

In today's fast-paced market, efficient payment processing can set your business apart. Our merchant services offer seamless transaction solutions that allow you to focus on what you do best running your business. From credit card processing to online payment options, we equip you with the tools needed to enhance customer satisfaction and streamline operations. Visit us at 660 Newark Ave Jersey City Nj 07306 in Jersey City, NJ, or call us at (201) 659-3900 to learn more about how our business banking and commercial services can help your enterprise thrive!

Comprehensive List Of Services

ATM Services & Shared Branching

Need cash on the go? Our accessible ATM & Cash Withdrawal Services ensure you can get what you need without any hassle. Plus, as part of our commitment to community service, we also offer basic shared branch transactions for partner credit union members making deposits and withdrawals easier than ever. At Liberty Savings, we pride ourselves on not just being a financial institution but a true partner in your financial journey. With dedicated staff ready to assist you at every turn, we're here to help make banking easy and accessible. If you're ready to explore our full range of services or have any questions, don't hesitate to reach out! Call us at (201) 659-3900 or visit us online at Liberty Savings Fcu for more information. We look forward to serving you!

Business Banking Support

For our business members, we offer specialized services under Business Banking. From Merchant Services that streamline transactions to tailored Business Loans, we're dedicated to supporting the growth and success of local businesses.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking solutions. Access your accounts anytime, anywhere through our user-friendly platform. You can check balances, transfer funds, and even manage payments directly from your smartphone or computer.

Flexible Loan Options

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come into play. We provide options that can help ease financial burdens while giving you peace of mind. Additionally, if you're interested in building or enhancing your credit score, our Credit Cards with Rewards make it simple to earn benefits on everyday purchases.

Personal Banking Solutions

Whether you're saving for a rainy day or planning for a big purchase, our Personal Banking options are designed with you in mind. Open a Checking or Savings Account to manage your day-to-day expenses easily. If you're considering buying a new car, our Auto Loans & Vehicle Financing can help turn that dream into reality with competitive rates. For those looking to invest in a home, our Mortgage Loans & Refinancing services offer flexibility and support throughout the process.

Digital & Online Banking

Key Features

You can enjoy the convenience of e-statements, which are available for all members. This feature not only helps you keep track of your finances but also reduces paper clutter it's a win for you and the environment! Plus, while we don't currently support mobile payments, we do have a robust mobile application that allows you to access all these services right from your smartphone. Sending money to friends or family has never been easier with our person-to-person transfer service. Whether it's splitting a bill or sending a gift, you can do it quickly and securely without any hassle.

Security & Accessibility

We take your security seriously. While we don't offer electronic signature authorization at this time, rest assured that your personal information is protected through industry-standard security measures. You can bank with peace of mind knowing that your data is safe with us. With our mobile application, managing your accounts is straightforward and accessible. You can view transactions in real-time and stay updated on your financial health wherever life takes you. At Liberty Savings, we're committed to making banking as simple as possible for our members. Discover the full range of our digital banking features today by visiting https://www.lsfcu.org/ !

Financial Strength

Community Trust

Total Share Accounts stand at 26,806, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 660 Newark Ave Jersey City Nj 07306 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.

Focused on Growth

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 with $955 in used auto loans and $66,340,340 in total loans and leases.

Member-Centric Savings

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.

Operational Efficiency

Our operations reflect our efficiency with a reported $-9,196 this year. This enables us to continue offering competitive loan rates and solid financial products for our members. We 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, committed team.

Strong Financial Position

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 $1,227 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $13,251,108 in used vehicle loans and $4,010,399 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive rates for both new and used vehicles.

Credit Lines

For those who need extra flexibility in managing cash flow or unexpected expenses, our total credit lines amount to $10,000,000. This option provides quick access to funds whenever needed.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,792,559, make buying or refinancing simple. We work with you to find solutions that fit your budget and help you secure the home of your dreams.

Refinancing Options

If you're considering refinancing any existing loans or need eligibility options for our products, we encourage you to reach out. Our team is here to help guide you through the process and find options that best suit your financial situation. For more information about our loan offerings or to discuss how we can assist you further, please contact us at 201-659-3900 or visit us at 660 Newark Ave Jersey City NJ 07306. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey towards better financial health starts here at Liberty Savings!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,241,671 in loans helping members manage their finances effectively. With our credit cards, you can enjoy rewards while keeping your spending under control.

Loan Aggregator

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LIBERTY SAVINGS FEDERAL CREDIT UNION - Jersey City, NJ