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Your savings account is the foundation for a solid financial future. Barksdale Federal CU offers the savings options you need to build financial strength and stability.
The importance of a sound savings plan is critical in today's changing economic climate. It's time to discover how we can make a difference for you.

Prime Savings

Membership at Barksdale Federal CU starts by opening a Prime Savings account. This account establishes you as a member of the credit union. You can deposit as much as you like, whenever you like. (New members can open a Prime Savings account with a $5 one-time membership fee and $5 Prime Savings deposit.)
Dividends (commonly called interest) are paid monthly on balances over $200 and are computed on the average daily balance of your account.

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Special Purpose

Barksdale Federal Credit Union offers Special Purpose accounts to help you save for special events. Just make regular deposits throughout the year and watch your savings grow. No minimum deposit is needed to open this account, and dividends are paid monthly if aggregate balance is $200 or more.

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Christmas Club

Barksdale Federal Credit Union offers a Christmas Club account to help you save for the holiday season. This account pays higher dividends and matures on Nov. 5 - just in time for the holidays. Funds are automatically transferred to your Prime Savings account. There is no minimum opening deposit, no minimum balance required to earn dividends and avoid a service fee, and you can deposit up to $5000 per year.

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Certificate Accounts

A Share Certificate account (often called a CD or Certificate of Deposit) is traditionally considered one of the safest ways to save for diverse purposes such as a dream vacation or for a secure and comfortable retirement. Certificate accounts always hold their original value. Plus, they accrue dividends without penalties as long as you do not withdraw before maturity.

Barksdale Federal offers various Certificate accounts for a variety of terms:

Minimum opening deposit is $1,000
6 - 60 month terms available

IRA Certificate
Minimum opening deposit is $1,000
12 - 60 month terms available

Flex Certificate
Minimum opening deposit is $2,500
24, 36 & 60 month terms available

All Certificate account dividends are compounded and credited monthly and at maturity. The dividend period is a calendar month. Rates and terms may vary.

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IRA Accounts

Individual Retirement Accounts are available for our members who want to save and invest money for their retirement and reduce their tax burden at the same time.
All IRA accounts are insured separately by the NCUA. The new law provides up to $250,000 of protection for the combined total of the Traditional and Roth IRAs.

IRA Share Account
A $5 deposit is required to open an IRA Share account at Barksdale Federal. You can use payroll deduction or add any amount up to the maximum allowed per person per year.* This account never carries a fee or activity charge. However, the IRS imposes a penalty for early withdrawal and allows only one rollover every 365 days.
* See a Barksdale Federal employee for yearly maximum amount.

Legislation has established three types of Individual Retirement Accounts:

Traditional IRA
A Traditional IRA allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions are tax deductible in the tax year they are made.

Roth IRA
A Roth IRA allows non-deductible contributions, but features federal income tax-free withdrawals for certain distribution reasons after a five-year holding period. Individuals who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA.

Educational IRA
Earnings in an Educational IRA are non-taxable, and monies removed for qualified educational expenses for individuals under 30 are tax free. One Educational IRA can be opened per child, and a non-deductible contribution can be made by a parent, grandparent or responsible party.
To learn more about our IRAs, call a Member Service Representative. We'll be happy to take the time to discuss your goals and needs.

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