Liberty Savings Credit Union108 48th St, Union City, NJ

Union City, NJ
(201) 659-3900
NCUA Insured

About Liberty Savings

This branch of Liberty Savings is located at 108 48th St in Union City, New Jersey, and can be reached at (201) 659-3900. Liberty Savings is a federally insured financial cooperative serving the Union City, New Jersey community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Union City or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Union City area.

Key Member Benefits

  • Payday Alternative Loans (PALs)

    Borrow small amounts at fair, regulated rates to manage short-term cash needs without getting trapped in debt.

  • Credit Builder Program

    Specialized loans designed to help you establish or rebuild your credit score safely and affordably.

  • Financial Counseling

    Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.

  • First-Time Homebuyer Program

    Special mortgage programs with lower down payments or rate assistance to help you buy your first home.

  • Bilingual Services

    Full service available in multiple languages to support our diverse community.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

108 48th St

Union City, NJ 07087

Lobby Hours
Closed

The credit union lobby is currently closed.

Today: 10am-5pm

SundayClosed
Monday10:00 AM - 5:00 PM
Tuesday10:00 AM - 5:00 PM
Wednesday10:00 AM - 5:00 PM
Thursday10:00 AM - 5:00 PM
Friday10:00 AM - 7:00 PM
Saturday9:00 AM - 1:00 PM

Need Funds Before You Join?

How to Join

Membership at Liberty Savings is typically open to individuals who live, work, worship, or attend school in Union City and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (201) 659-3900 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Liberty Savings typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM
Shared Service Center

Frequently Asked Questions

Is Liberty Savings federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Union City, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other Liberty Savings Locations

3 additional branches in 1 state

New JerseyCurrent State

3 locations
Liberty Savings Credit Union in Jersey City, NJMain OfficeClosed

660 Newark Ave

3.8 mi away(201) 659-3900
Liberty Savings Credit Union in Newark, NJClosed

106 Fleming Ave

7.4 mi away(201) 659-3900
Liberty Savings Credit Union in Bayonne, NJClosed

1347 Kennedy Blvd.

7.5 mi away(201) 659-3900

Credit Unions Near Me in Other New Jersey Cities

Looking for credit unions near me in other New Jersey cities? Browse credit unions in nearby locations:

View all credit unions in New Jersey

If Liberty Savings Credit Union isn't the right fit

To borrow from Liberty Savings Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can connect with online lenders serving New Jersey. Applying is quick, and funds may be available as soon as the next business day after approval.

Fast Fair Loans is not a lender, does not make credit decisions, and cannot guarantee loan approval or amount. Loans are not available in all states.