Annual Percentage Yield (APY) accurate as of 12/19/18. 1.80% APY applies to balances $50,000-$499,999.99, 1.86% APY applies to balances $500,000-$999,999.99, and 1.91% applies to balances $1,000,000 and above. Special rate applies during the first six months from the account open date. After six months, the rate will adjust to Old Point’s current Money Market rate. $50,000 minimum deposit and $50,000 minimum daily balance required to obtain the disclosed APY. All money deposited at opening must be new money to the bank. If the minimum monthly balance falls below $2,500, a monthly service charge of $10 will be applied. There is also a $10 service charge for each withdrawal in excess of 6 within each 4 week or similar period. Fees could reduce earnings. Member FDIC

Contact any Old Point branch to open an account or for more information on our current rates and terms.