saving money

Personal Savings & Investments

 Basic Savings

Get in the habit
Low minimum balances, accessible funds 

Statement Savings

Save for short term goals

  • $10 minimum opening deposit
  • Competitive interest rates
  • Your money is always accessible

Combined Statement Savings

Opt for convenience

  • $10 minimum opening deposit
  • Easy sign-up and management
  • Combine monthly checking and savings account statements and we'll waive the balance requirement for your savings account

Holiday Club

Save today for a worry-free holiday season

Two great options to choose from:

  • An automatic deduction from either your checking or savings account
  • In-person coupon payments

 Select Savings

Earn more for your money
Higher interest rates take your dollars farther

Money Market Savings Account

Build savings more quickly

  • $25 minimum opening deposit
  • Higher interest rates for higher earnings
  • Access your account in the branch or by check

Preferred Investment Account

Keep your options open

  • Flexible account for larger sums of money
  • Higher return on investment
  • Multiple methods of withdrawal


Grow your nest egg faster
Long-term options to secure your future

Individual Retirement Account (IRA)

Reap the exclusive IRA benefits

  • Tax-deferred earnings
  • Contributions may be tax deductible
  • Three options:
    • Traditional
    • Roth
    • Rollover

Certificates of Deposit (CDs)

Experience a high-yielding investment

  • Select the amount you want to invest
  • Choose the length of time for investment
  • Tell us how you wish to receive interest payments
  • Renew, choose a new CD, or redeem certificate at maturity

For our current CD rates please contact your local Old Point Branch or
call Customer Service at 757-728-1290


Federal banking regulations limit you to six pre-authorized, telephone or online banking transfers to your other Old Point accounts or to a third party from your savings or money market account per month.