Liberty Savings Federal Credit Union

Headquarters: Jersey City, New Jersey
Charter: Credit Union
Assets: $135.1M
Fed district: New York

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Liberty Savings Federal Credit Union: $25
Liberty Savings Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Liberty Savings Federal Credit Union: $25
Liberty Savings Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Liberty Savings Federal Credit Union: $25
Liberty Savings Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Liberty Savings Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Below minimum balance$5
per month
Below minimum balance$10
per month
Account closing$25
Inactive Account Fee$10
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Immigration Letter$40
per item
Paper Statements$3
Excessive withdrawals$5
per item
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

EFT Overdraft$25
Overdraft Honored$25
Returned Check$25
Overdraft transfer from shares$5
per item

ATM & Card

Lost or stolen replacement card$10

Wire Transfers

Wire Transfer (outgoing)$25
Wire Transfer (incoming)$25
Wire Transfer (foreign)$50

Check Services

Money Orders$2
Check Series Stop Payment$35
Stop Payment$25
Check Cashing (audience not stated, treated as personal)0.5%
Check Copy – in person request$10
Check Copy – Mailed or Faxed$12

Account Services

Legal Process (subpoenas, levies, etc.)$50
Not compared: Charged per document; comparison unavailable
per document
Verification of Account$15
Verification of Deposit$15

Other Fees

Interim Statement (print-out)$3
Statement Copies$3
per item
Loan application (reapply within 6 months of decline)$25
Non-member loan application fee$35

Fee	Amount	Basis	Note
Account Maintenance
Below minimum balance	$5	per month	None
Below minimum balance	$10	per month	None
Account closing	$25	Not stated	None
Inactive Account Fee	$10	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Immigration Letter	$40	per item	None
Paper Statements	$3	Not stated	None
Excessive withdrawals	$5	per item	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
EFT Overdraft	$25	Not stated	None
Overdraft Honored	$25	Not stated	None
Returned Check	$25	Not stated	None
Overdraft transfer from shares	$5	per item	None
ATM & Card
Lost or stolen replacement card	$10	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$25	Not stated	None
Wire Transfer (incoming)	$25	Not stated	None
Wire Transfer (foreign)	$50	Not stated	None
Check Services
Money Orders	$2	Not stated	None
Check Series Stop Payment	$35	Not stated	None
Stop Payment	$25	Not stated	None
Check Cashing (audience not stated, treated as personal)	0.5%	Not stated	None
Check Copy – in person request	$10	Not stated	None
Check Copy – Mailed or Faxed	$12	Not stated	None
Account Services
Legal Process (subpoenas, levies, etc.)	$50Not compared: Charged per document; comparison unavailable	per document	None
Verification of Account	$15	Not stated	None
Verification of Deposit	$15	Not stated	None
Other Fees
Interim Statement (print-out)	$3	Not stated	None
Statement Copies	$3	per item	None
Loan application (reapply within 6 months of decline)	$25	Not stated	None
Non-member loan application fee	$35	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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