What are the current interest rates at Liberty Savings Federal Credit Union?

Current rates for Liberty Savings Federal Credit Union include: Savings: 0.10%, MMA: 1.50%

Liberty Savings Federal Credit Union Rates and Review February 2026

Content reviewed by

Brian McKay

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Liberty Savings Federal Credit Union Deposit Rates

Liberty Savings Federal Credit Union's savings rates are at 0.10%. Liberty Savings Federal Credit Union's money market rates are at 1.50%. You can compare Liberty Savings Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.90%, 6-month share certificate rates at 4.00% and 3-month share certificate rates at 1.00%. Savings rates are at 0.01% and money market rates are at 1.01%. Mortgage rates on 30-year fixed loans are around 6.20%. All these rates, and more, can be found in our database of rates which you can compare to Liberty Savings Federal Credit Union rates.

Liberty Savings Federal Credit Union

Liberty Savings Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at Liberty Savings Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use .

Liberty Savings Federal Credit Union Texas Ratio

Liberty Savings Federal Credit Union's Texas Ratio is at 8.74%, which is considered excellent. The Texas Ratio for Liberty Savings Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Liberty Savings Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Liberty Savings Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Overall, Liberty Savings Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

0.10%

0.60%

MMA

1.50%

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Liberty Savings Federal Credit Union
Liberty Savings FCU

660 Newark Ave
Jersey City, NJ 07306 2379

https://www.lsfcu.org

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Liberty Savings Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	-	0.10%
Min Balance$200 Detailsat maturity Last Updated 02/09/2026
IRA Savings	-	0.10%
Min Balance$500 Last Updated 02/09/2026
Savings	-	0.10%
Min Balance$501 Last Updated 02/09/2026
Vacation Club	-	0.10%
Min Balance$200 Detailsat maturity Last Updated 02/09/2026

Liberty Savings Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	3.20%	3.25%
Min Deposit$250,000,000 DetailsBalance Range: $250,000,000 and over Last Updated 02/09/2026
Money Market Account	2.96%	3.00%
Min Deposit$100,000 DetailsBalance Range: $100,000 - $249,999.99 Last Updated 02/09/2026
Money Market Account	2.72%	2.75%
Min Deposit$25,000 DetailsBalance Range: $25,000 - $99,999.99 Last Updated 02/09/2026
Money Market Account	1.49%	1.50%
Min Deposit$2,500 DetailsBalance Range: $2,500 - $24,999.99 Last Updated 02/09/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Liberty Savings Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Liberty Savings Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Liberty Savings Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name: Liberty Savings Federal Credit Union

Website: https://www.lsfcu.org

Full Time Employees: 48
Part Time Employees: 7
President: Joanne Bruno
CEO: Maria Solorzano
Branch Locations: 4
ATM Locations: 3

Corporate Office Address:

660 Newark Ave
Jersey City, NJ 07306 2379
Phone Number: 201-659-3900
Fax Number: 201-659-7623

Financials

Total Assets:

132,861,966

Total Amount of Shares and Deposits:

114,556,468

Total Shares and Deposits < 1 Year:

107,538,908

Total Shares and Deposits 1 3 Years:

3,937,159

Total Shares and Deposits > 3 Years:

3,080,401

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):

7,255,125

Total Uninsured Shares and Deposits > $250K (F+J):

7,255,125

Total Insured Shares and Deposits > $250K (item 17 less item K):

107,301,343

Total Interest Expense (Sum of items 6 8):

782,577

Share Certificates:

577

Number of Accounts for Share Drafts:

8,691

IRA KEOGH Accounts:

114

Number of Accounts for Regular Shares:

19,669

Non Member Deposits:

Money Market Shares:

374

Net Income (unless the amount is already included in Undivided Earnings):

378,102

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

9,342,715

Total Liabilities:

116,630,058

Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Liberty Savings Federal Credit Union

Is a member application needed to join Liberty Savings Federal Credit Union?

Yes, to access services at Liberty Savings Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Liberty Savings Federal Credit Union provides a range of mortgage and home equity products.

Is Liberty Savings Federal Credit Union a safe place to deposit money?

Yes, Liberty Savings Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.