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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

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$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

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$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

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$5 $0 None Competitive interest credited annually

Preferred Investment Savings***

Flexible account for larger balances

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 $2,500  $25,000 average daily balance  $10 if balance requirement not met  Competitive tiered interest credited monthly
* 2 withdrawals by any method allowed per month at no charge. Each additional withdrawal will incur a $3 fee. There is a $6 fee if the account is closed within 6 months of the initial opening date.
** 1 withdrawal by any method allowed per year at no charge. Each additional withdrawal will incur a $10 fee. There is a $6 fee if the account is closed within 6 months of the initial opening date.
*** 6 withdrawals by any method allowed per statement cycle at no charge. Each additional withdrawal will incur a $10 fee. 

  

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

Schedule An Appointment

Click Here to View Our Current Money Market Special

6 withdrawals by any method allowed per statement cycle at no charge. Each additional withdrawal will incur a $10 fee. 

   

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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