<PAGE>
AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON OCTOBER 2, 1998
REGISTRATION NO. 33-81512
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- --------------------------------------------------------------------------------
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
--------------------------
POST-EFFECTIVE
AMENDMENT NO. 6
TO
FORM S-3
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
------------------------
ARCADIA FINANCIAL LTD.
(Exact name of registrant as specified in its charter)
<TABLE>
<S> <C> <C>
MINNESOTA 6146 41-1664848
(State or other jurisdiction (Primary standard (I.R.S. Employer
of incorporation or industrial Identification
organization) classification code No.)
number)
</TABLE>
7825 WASHINGTON AVENUE SOUTH
MINNEAPOLIS, MINNESOTA 55439-2435
(612) 942-9880
(Address, including zip code, and telephone number,
including area code, of registrant's principal executive offices)
--------------------------
JAMES D. ATKINSON
ARCADIA FINANCIAL LTD.
7825 WASHINGTON AVENUE SOUTH
MINNEAPOLIS, MINNESOTA 55439-2435
(612) 942-9880
(Name, address, including zip code, and telephone number,
including area code, of agent for service)
--------------------------
COPY TO:
William B. Payne, Esq.
Dorsey & Whitney LLP
220 South Sixth Street
Minneapolis, MN 55402
(612) 340-2600
--------------------------
If any of the securities being registered on this Form are to be offered on
a delayed or continuous basis pursuant to Rule 415 under the Securities Act of
1933, check the following box: / /
If this Form is filed to register additional securities for an offering
pursuant to Rule 462(b) under the Securities Act, please check the following box
and list the Securities Act registration statement number of the earlier
effective registration statement for the same offering: / /
If this Form is a post-effective amendment filed pursuant to Rule 462(c)
under the Securities Act, check the following box and list the Securities Act
registration statement number of the earliest effective registration statement
for the same offering: / /
If delivery of the prospectus is expected to be made pursuant to Rule 434,
please check the following box: / /
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<PAGE>
TERMINATION OF REGISTRATION STATEMENT
Arcadia Financial Ltd., a Minnesota corporation (the "Company"),
registered the public offer and sale from time to time of an aggregate of
$50,000,000 principal amount of its 30, 60, 90 and 180-Day and One-Year
Subordinated Extendible Notes and One, Two, Three, Four, Five and Ten-Year
Subordinated Fixed-Term Notes (the "Notes") pursuant to Registration
Statement No. 33-81512, filed with the Securities and Exchange Commission on
July 12, 1994, and amended on September 12, 1994, September 19, 1994, October
4, 1994, May 4, 1995, March 29, 1996, August 3, 1998 and August 14, 1998. As
of August 24, 1998, the Company had issued and sold an aggregate of
$50,000,000 principal amount of the Notes. Accordingly, Registration
Statement No. 33-81512 is hereby terminated.
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the
Registrant has duly caused this Post-Effective Amendment No. 6 to
Registration Statement on Form S-3 to be signed on its behalf of the
undersigned, thereunto duly authorized, in the City of Minneapolis and State
of Minnesota on October 1, 1998.
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<S> <C>
ARCADIA FINANCIAL LTD.
By /s/ RICHARD A. GREENAWALT
-----------------------------------------
Richard A. Greenawalt
CHIEF EXECUTIVE OFFICER AND PRESIDENT
</TABLE>
Pursuant to the requirements of the Securities Act of 1933, this
Post-Effective Amendment No. 6 to Registration Statement has been signed by
the following persons in the capacities indicated.
<TABLE>
<CAPTION>
SIGNATURE TITLE DATE
- ------------------------------------------------------ ------------------------------------- ------------------
<C> <S> <C>
/s/ RICHARD A. GREENAWALT Chief Executive Officer,
------------------------------------------- President and Director October 1, 1998
Richard A. Greenawalt (Principal Executive Officer)
/s/ JOHN A. WITHAM Executive Vice President and Chief
------------------------------------------- Financial Officer October 1, 1998
John A. Witham (Principal Financial Officer)
Senior Vice President, Corporate
/s/ BRIAN S. ANDERSON Controller and Assistant
------------------------------------------- Secretary (Principal Accounting October 1, 1998
Brian S. Anderson Officer)
/s/ WARREN KANTOR
------------------------------------------- Chairman of the Board and Director October 1, 1998
Warren Kantor
/s/ SCOTT H. ANDERSON
------------------------------------------- Director October 1, 1998
Scott H. Anderson
/s/ ROBERT J. CRESCI
------------------------------------------- Director October 1, 1998
Robert J. Cresci
/s/ JAMES L. DAVIS
------------------------------------------- Director October 1, 1998
James L. Davis
/s/ ROBERT A. MARSHALL
------------------------------------------- Director October 1, 1998
Robert A. Marshall
</TABLE>
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