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Personal Savings

We’re here to help you with your short- and long-term savings goals. 

Building a savings fund for any reason takes personal discipline and the right account to help you achieve your goals.  We have the accounts to help you along the way.

For more information on any of the products below please contact us at customerservice@fsbarcadia.com, we're here to help.

Account Type
Money Market Individual Regular Savings Individual Minor’s Savings
(Up to 18 years of age)
Christmas or Vacation Club Certificates of Deposit
Minimum Opening Deposit $2,500 $100 $10 $10 3 months: $2,500
6 months or more: $500
Balance Requirements $2,500 minimum daily balance to avoid a monthly maintenance fee $200 minimum daily balance to avoid a monthly maintenance fee None None None
Monthly Maintenance Fee if balance is not maintained $10 $3 None None None
Interest Earned Interest rate may change daily; Interest compounds daily and credits account monthly Interest rate may change daily; Interest compounds daily and credits account quarterly Interest rate may change daily; Interest compounds daily and credits account quarterly Interest rate may change daily; Interest compounds daily and credits to account at maturity Interest earned daily and credited per agreement
Withdrawal Limitations You may make no more than six (6) transfers and/or withdrawals from your account during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks by preauthorized or automatic transfers, or telephonic (including data transmissions) agreement, order of instruction, or by check, draft, debit card made by you and made payable to third parties. Transfers and withdrawals made in person at our locations, by mail, messenger, telephone (via check mailed to you) or at an ATM are unlimited. You may make no more than six (6) transfers and/or withdrawals from your account during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks by preauthorized or automatic transfers, or telephonic (including data transmissions) agreement, order of instruction, or by check, draft, debit card made by you and made payable to third parties. Transfers and withdrawals made in person at our locations, by mail, messenger, telephone (via check mailed to you) or at an ATM are unlimited. You may make no more than six (6) transfers and/or withdrawals from your account during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks by preauthorized or automatic transfers, or telephonic (including data transmissions) agreement, order of instruction, or by check, draft, debit card made by you and made payable to third parties. Transfers and withdrawals made in person at our locations, by mail, messenger, telephone (via check mailed to you) or at an ATM are unlimited. No withdrawal permitted until account’s maturity date Early time deposit contract termination penalties and/or administrative fees apply
Excessive Withdrawal Fee $10 per item excessive withdrawal fee if over limit of six withdrawals Two free withdrawals per month, $3 per item excessive withdrawal fee if over limit of two withdrawals None None None

This is not a complete disclosure for Truth in Savings. For complete information on each account, please contact a Customer Service Representative at one of our convenient offices.