Fee Disclosure

Membership Fee: $10.00
(waived for members from Select Employee Groups & Youth Accounts)


Termination Fee

First 12 months after account opening: $25.00
Termination Fee after 12 months: $10.00


LibertyLink Online Banking

Password reset: $5.00
TellerPhone PIN reset: $5.00


Primary Savings Accounts

Minimum balance to avoid fee: $25.00
Below minimum balance: $5.00 per month


Club Accounts

Early withdrawal: $15.00


IRA Savings Account

Account closing: $25.00


Money Market Accounts

Excessive withdrawals: $5.00 each
Below minimum balance ($2500): $10.00 per month


Freedom Checking Accounts

(no minimum balance)

Overdraft transfer from shares: $5.00 per item
Returned Check: $25.00
Overdraft Honored: $25.00
Uncollected Funds: $25.00
Check Copy – Mailed or Faxed: $12.00
Check Copy – in person request: $10.00
Stop Payment: $25.00
Check Series Stop Payment: $35.00
Change of Checking Account Number (limit once per year): $35.00


Account Access (ATM/DEBIT)

Lost or stolen replacement card: $10.00
Card RUSH delivery: Subject to shipping charges
Card delivered to credit union: $15.00
PIN reset: $5.00
PIN mailer: $2.00
Additional cards: $5.00 each
Involuntary Revocation: $15.00


Other Services

Check Cashing: 0.5% of check amount
Money Orders: $2.00
Late Loan Payment: $10.00
Non-member loan application fee: $35.00
Loan application (reapply within 6 months of decline): $25.00


Miscellaneous Services

Wire Transfer (incoming): $25.00
Wire Transfer (outgoing): $25.00
Wire Transfer (foreign): $50.00
Interim Statement (print-out): $3.00
Paper Statements: $3.00 per statement
Statement Copies: $3.00 per copy
Immigration Letter: $40.00
Account Research: $30.00 per hour
Inactive Account Fee: $10.00 per month
Legal Process (subpoenas, levies, etc.): $50.00 per document
Returned Mail: $5.00 per occurrence
Verification of Deposit: $15.00
Verification of Account: $15.00
Involuntary Account Closure: $25.00
Address Verification Search: $10.00
EFT Overdraft: $25.00


Telephone Transactions

If transaction can be accomplished via online banking (LibertyLink) or TellerPhone and member still wants to have in done over the phone, a charge of $7.00 per transaction shall be applied. This includes balance inquiries, account transfers, payments, etc.


“I’ve been with the credit union for the past 25 years and have always received excellent service and help with loans. I highly recommend Liberty Savings to anyone in Hudson County looking for a loan or new place to bank.”

– Liberty Savings Member

Third Party Disclaimer

By accessing the noted link you will be leaving Liberty Savings Federal Credit Union's website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Liberty Savings Federal Credit Union's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Liberty Savings Federal Credit Union.