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