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Personal Savings

  • Old Point National Bank - Personal Savings

Savings Accounts

Minimum opening deposit Minimum balance Monthly service charge Interest earned

Statement Savings

Grow your safety net

Apply Now to Open An Account

$10 $200 monthly balance $2 if balance requirement not met Competitive interest credited quarterly

Combined Statement Savings

Enjoy no minimum balance requirement or service charge when combined with a checking account

Apply Now to Open An Account

$10 $0  $2 if not on a combined statement with a checking account Competitive interest credited quarterly

Navigators Savings

Kids earn prizes for saving

Please visit a branch to open an account.

$5 $0 None Competitive interest credited quarterly

Holiday Club Savings

Set up automatic transfers to save for holiday expenses

Apply Now to Open An Account

$5 $0 None Competitive interest credited annually

Preferred Investment Savings

Flexible account for larger balances

Apply Now to Open An Account

 $2,500  $25,000 average daily balance  $10 if balance requirement not met  Competitive tiered interest credited monthly

Money Market Accounts

  Earn more for your money

  Higher interest rates take your dollars farther

Build savings more quickly

  • $25 minimum opening deposit
  • $2,500 minimum monthly balance to avoid a $10 monthly service charge
  • Higher interest rates for higher earnings

Apply Now to Open An Account

Click Here to View Our Current Money Market Special

Federal banking regulations limit you to six pre-authorized, telephone or online banking transfers to your other Old Point or third-party accounts from your savings or money market account per month. Additional fees apply for additional transfers or withdrawals made per statement period.

Individual Retirement Accounts (IRAs)

  Grow your nest egg faster

  Long-term options to secure your future

 Reap the exclusive IRA benefits

  • Tax-deferred earnings
  • Contributions may be tax deductible
  • Three options:
    • Traditional
    • Roth
    • Rollover
 Visit your nearest branch to open an account.

 Certificates of Deposit (CDs)

  Experience a high-yielding investment

Click Here to View Our CD Specials

For a full list of our current CD rates, please contact your local Old Point branch or call Customer Service at 757.728.1290.
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