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

Introduction

Welcome to Liberty Savings, your trusted partner in financial well-being since 1951. Located at 108 48Th St, Union City, NJ 07087, we are proud to serve our vibrant community with a commitment to making banking accessible and beneficial for everyone. With a total membership of 16,943 and assets exceeding $122 million, we are dedicated to providing personalized financial services that cater to your unique needs. At Liberty Savings, we understand that every member's journey is different. That's why our offerings range from checking and savings accounts to auto loans and personal loans, all designed to help you achieve your financial goals. Our assets stand at an impressive $122,031,334, reflecting our stability and dedication to serving you better. While members can visit us at our branch address, official correspondence should be sent to 107 48th St, Union City, NJ 7087. Our friendly team of 47 employees, led by CEO Maria Solorzano and Board President Joanne Bruno, is here to assist you during our operating hours: Monday through Friday from 10 AM to 5 PM and Saturday from 9 AM to 1 PM. As a member-focused credit union, we take pride in our strong foundation built on trust and community impact. With total deposits reaching $3,364,784 and loans amounting to 11,211, we're committed to fostering financial health within our community. Our net worth of $14,976,218 ensures that we can continue providing exceptional services now and into the future. For any inquiries or assistance, feel free to call us at 201-659-3900 or visit our website at Liberty Savings FCU. Join us in experiencing the difference of community banking where your success is our priority!

Branch History & Mission

Community Impact

Our dedication goes beyond numbers. Liberty Savings engages in numerous outreach efforts aimed at uplifting our community. From educational workshops to partnerships with local organizations, we actively contribute to the growth and prosperity of Union City. We believe that by investing in our community's future, we not only strengthen ourselves but also help our members thrive. In addition to offering quality financial services, we provide access to an ATM for your convenience. Although we currently do not have drive-thru banking available, we invite you to visit us during our operating hours: Monday through Friday from 10 AM to 5 PM, and Saturday from 9 AM to 1 PM. As part of the Liberty Savings family, you'll find more than just banking services; you'll discover a supportive environment where your needs come first. Join us today and experience the difference that a member-focused credit union can make in your life! Visit us or call us at 201-659-3900 for more information on how you can become part of our growing community. Together, let's build a brighter financial future!

Our Mission

At Liberty Savings, our mission is simple yet powerful: to empower our members through exceptional financial services while actively supporting our community. We strive to provide personalized banking solutions that include checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Our goal is to ensure that everyone feels welcome and valued in their financial journey. We also recognize the importance of accessibility. While members can visit us at our branch location, official correspondence should be sent to 107 48th St, Union City, NJ 7087 if different. Our commitment extends beyond traditional banking; we offer online banking and mobile applications to enhance your experience.

Branch Location & Accessibility

Accessibility Features

At Liberty Savings, we prioritize making banking easy for everyone. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking to accommodate all our members. Whether you're visiting for personal banking needs or to inquire about loans, our welcoming staff is here to assist you.

Connect With Us

If you have questions or need assistance before stopping by, feel free to give us a call at 201-659-3900. We're excited to help you with your financial journey! Come see us today at Liberty Savings where community banking meets exceptional service!

Operating Hours

We know life gets busy! That's why we're open Monday through Friday from 10 AM to 5 PM and on Saturdays from 9 AM to 1 PM. This flexibility means you can stop by when it fits your schedule best.

Services Offered

When you visit Liberty Savings, you'll find a range of services ready to meet your financial needs from checking and savings accounts to auto loans and credit cards with rewards. If you're on the go, enjoy the convenience of our ATM services available right at our branch. While we don't have a drive-thru service, we're here to make every visit enjoyable and efficient.

Member Eligibility

At Liberty Savings, we believe that everyone deserves a chance to join a community that supports their financial goals. Becoming a member is easier than you might think! If you live, work, or worship in the areas around Union City, NJ, you're likely eligible to join us. We welcome individuals who share our commitment to building a better financial future together. Plus, as a member of Liberty Savings, you'll enjoy a range of benefits including competitive rates on loans and savings accounts, personalized service, and access to various financial tools designed just for you. To learn more about the specific eligibility requirements or to see if you qualify, please visit our membership eligibility page. If you're ready to take the next step and open an account, it's simple! You can find all the details for opening your account online at this link. Should you have any questions or need assistance along the way, 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

Merchant Services That Work for You

Imagine having a reliable payment processing system that allows you to focus on what you do best running your business. Our merchant services provide secure and efficient transaction solutions that simplify your day-to-day operations. From point-of-sale systems to online payments, we help you keep your cash flow smooth and your customers happy. Located at 108 48Th St Union City Nj 07087 in Union City, NJ, we invite you to explore how our tailored business banking solutions can enhance your operations. Let's work together towards building a brighter future for your business! For more information, call us at (201) 659-3900.

Tailored Loan Options

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 Solutions

For entrepreneurs and small business owners, Liberty Savings offers tailored solutions that include merchant services and various types of business loans. We know that running a business comes with its own set of challenges, and we're here to help you thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking platforms. You can easily check your balances, transfer funds, or pay bills from the comfort of your home or on the go. Our ATM services allow for cash withdrawals and balance checks anytime you need them.

Personal Banking

We offer a variety of personal banking options that make managing your finances easier than ever. Our checking and savings accounts come with features that suit both everyday transactions and long-term savings goals. If you're considering purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. And for those looking to buy a home, our mortgage loans and refinancing services can help you navigate the process smoothly. Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services are designed to provide quick access to funds when you need them most, helping you manage your financial obligations without stress. Plus, with our credit cards offering rewards, you can earn while you spend.

Shared Branch Transactions

If you're a member of another participating credit union, you'll find it easy to conduct basic transactions like deposits and withdrawals at our branch through basic shared service options. This means more flexibility for you, no matter where you're banking. At Liberty Savings, we strive to make your banking experience as pleasant as possible. Our friendly staff is always ready to assist you with any questions or concerns. Feel free to reach out to us at (201) 659-3900 or visit us at 108 48Th St Union City Nj 07087 in Union City, NJ during our operating hours: Monday through Friday from 10 AM to 5 PM, and Saturday from 9 AM to 1 PM. Join us today at Liberty Savings Fcu Union City Office, where your financial well-being is our top priority! Explore all our services online at our website or learn more about membership eligibility here. We look forward to serving you!

Digital & Online Banking

Accessibility and Ease of Use

Our mobile payments feature is not available yet, but with the ability to transfer money between friends or family through our person-to-person transfers, you'll find it easy to send money whenever you need to. Imagine splitting dinner bills or sending gifts quickly without needing cash or checks! The user-friendly interface of our mobile application and online banking platform means that whether you're tech-savvy or new to digital banking, you'll find it easy to navigate. From real-time account management to quick access to customer service via phone at (201) 659-3900, we're here to support you every step of the way. Join us at Liberty Savings and experience the ease and convenience of modern banking today!

Key Services

Explore our digital offerings at https://www.lsfcu.org/ where you can sign up for e-statements, enabling you to receive your statements electronically. This not only helps you stay organized but also reduces paper waste. Plus, with our mobile application available, you'll have everything you need right at your fingertips. Whether you're checking balances, transferring funds, or even making person-to-person payments, it's all just a few taps away. Security is a top priority for us. While we currently do not offer electronic signature authorization, rest assured that our systems are built to keep your information safe. You can manage your accounts with confidence knowing that we prioritize your privacy and security.

Financial Strength

Commitment to 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 is also noteworthy; with $955 in used auto loans and $66,340,340 in total loans and leases, we support members' financial goals across various sectors.

Growing Trust

Total Share and Deposit Accounts stand at 26,806, showing a strong and growing member base that trusts us with their finances. This trust is reflected in the funds available for lending: 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 108 48Th St Union City Nj 07087 or call (201) 659-3900 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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 performance reflects our operational efficiency with a net income of $-9,196, enabling us to continue offering competitive loan rates and solid financial products for our members. 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, committed team.

Strong Financial Health

With a net worth of $14,976,218, we maintain robust 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 make it easy for you to secure financing whether you're purchasing a new or used vehicle. Plus, if you're considering refinancing your current auto loan, we can help evaluate your options.

Credit Card Loans

Managing day-to-day expenses can sometimes require a little extra help. 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. This option provides you with the freedom to handle unexpected costs without breaking your budget.

Credit Lines

In addition to these products, we provide access to credit lines totaling $10,000,000, offering a safety net for larger purchases or emergencies. Our team is dedicated to helping you navigate your borrowing options and find solutions tailored specifically for you. For more details about eligibility and how to apply for any of these loan products, feel free to visit our website or contact us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Come see how Liberty Savings can support your financial journey today!

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 closely with our members to find the best terms that fit their financial situation.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced 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 means that all offers are fair and transparent. Each lender included in LendMesh's platform has been verified, ensuring that users receive reliable information.

LIBERTY SAVINGS FEDERAL CREDIT UNION - Union City, NJ