• Savings Account
• Minor Savings Account
• Christmas Club
• Cash Fund
• Jumbo Cash Fund
• Certificate of Deposit
• Vacation Club
• FDIC Insurance Estimator

Savings Account

A great account to accumulate funds for purchases or for wealth accumulation.

• Qualifies for FREE online banking

Limitations:

• $100 minimum deposit to open account; interest compounds daily and credits account quarterly
• $200 minimum daily balance required to avoid a $3.00 monthly maintenance fee
• Two withdrawals per month. You will be charged a $3.00 excessive withdrawal fee for each additional withdrawal at the end of the month for each withdrawal over (2).
• Quarterly statement

• No more than six (6) transfers and/or withdrawals during any one (1) calendar month or statement cycle or similar period of at least four (4) weeks to another of your accounts with us or to a third party by means of preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order of instruction, or by check, draft, debit card, or similar order made by you and payable to third parties.  You may make unlimited withdrawals (payments directly to you or transfers of funds from your account to any of your other deposit accounts or loan accounts with us) either in person at our locations, by mail, messenger, telephone (via check mailed to you), or use of an ATM card (if applicable). 

Now, get your statement days faster with e-Statements - checking statements sent securely by e-mail to you.  Be sure to ask about them.

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Minor Savings Account

Available to all children up to 18 years of age. A great account to accumulate funds for purchases or for college education.

• Qualifies for FREE online banking

Limitations:

• $10 minimum deposit to open account; interest compounds daily and credits account quarterly
• Quarterly statement

• No more than six (6) transfers and/or withdrawals during any one (1) calendar month or statement cycle or similar period of at least four (4) weeks to another of your accounts with us or to a third party by means of preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order of instruction, or by check, draft, debit card, or similar order made by you and payable to third parties.  You may make unlimited withdrawals (payments directly to you or transfers of funds from your account to any of your other deposit accounts or loan accounts with us) either in person at our locations, by mail, messenger, telephone (via check mailed to you), or use of an ATM card (if applicable). 

Now, get your statement days faster with e-Statements - checking statements sent securely by e-mail to you.  Be sure to ask about them.

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Christmas Club

An account to help you save for the Holidays.

• Qualifies for FREE online banking
• Daily compounded interest credited at maturity
• Statement at maturity date

Limitations:

• $10 Minimum opening balance
• No withdrawals permitted until the account's maturity date

Now, get your statement days faster with e-Statements - checking statements sent securely by e-mail to you.  Be sure to ask about them.

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Cash Fund

For higher balance savings that earn a higher rate of interest.

• Qualifies for FREE online banking
• Free copies of imaged checks provided with monthly statement

Limitations:

• $2,500 minimum opening balance
• $2,500 minimum daily balance required to avoid a $10 monthly maintenance fee. You will incur a $10 per item excessive withdrawal fee if over the limit of 6 transfers and/ or withdrawals monthly or statement cycle. 
• Interest rate may change daily; Interest compounds daily, credits account monthly

• No more than six (6) transfers and/or withdrawals during any one (1) calendar month or statement cycle or similar period of at least four (4) weeks to another of your accounts with us or to a third party by means of preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order of instruction, or by check, draft, debit card, or similar order made by you and payable to third parties.  You may make unlimited withdrawals (payments directly to you or transfers of funds from your account to any of your other deposit accounts or loan accounts with us) either in person at our locations, by mail, messenger, telephone (via check mailed to you), or use of an ATM card (if applicable). 

Now, get your statement days faster with e-Statements - checking statements sent securely by e-mail to you.  Be sure to ask about them.

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Jumbo Cash Fund

A higher balance savings account that earns a tiered rate of interest.

• Qualifies for FREE online banking
• Free copies of imaged checks with monthly statement

Limitations: 

• $25,000 minimum opening balance; $2,500 minimum daily balance required to avoid a $10 per month monthly maintenance fee. You will incur a $10 per item excessive withdrawal fee if over the limit of (6) transfers and/ or withdrawals allowed monthly or statement cycle.

• No more than six (6) transfers and/or withdrawals during any one (1) calendar month or statement cycle or similar period of at least four (4) weeks to another of your accounts with us or to a third party by means of preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order of instruction, or by check, draft, debit card, or similar order made by you and payable to third parties.  You may make unlimited withdrawals (payments directly to you or transfers of funds from your account to any of your other deposit accounts or loan accounts with us) either in person at our locations, by mail, messenger, telephone (via check mailed to you), or use of an ATM card (if applicable). 

Now, get your statement days faster with e-Statements - checking statements sent securely by e-mail to you.  Be sure to ask about them.

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Certificate of Deposit

Term accounts with stated interest rates to stabilize your interest income.

• Qualifies for FREE online banking

Limitations:

• One-, two- and three-month Certificates of Deposit require a $2,500 minimum deposit
• Six-month, 18-month and one- to seven-year Certificates of Deposit require a $500 minimum deposit

For current rates, please call us or e-mail us at customerservice@fsbarcadia.com

Early time deposit contract termination penalties and/or administrative fees apply to both Certificates of Deposit and Individual Retirement Account Certificates of Deposit. The Bank reserves the right to enforce the full term of any time deposit contract. If early contract termination is agreed to by the Bank, the penalties and/or administrative fees would be applied as disclosed within the pertinent documents at date of issue.

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Vacation Club

An account to help you save for the vacation of your dreams.

• Qualifies for FREE online banking
• Daily compounded interest credited at maturity
• Statement at maturity date

Limitations:

• $10 Minimum opening balance
• No withdrawals permitted until the account's maturity date

Now, get your statement days faster with e-Statements - checking statements sent securely by e-mail to you.  Be sure to ask about them.

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