saving money

 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

Apply Now to Open An Account

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

Apply Now to Open An 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

Apply Now to Open An Account

 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

Apply Now to Open An Account

Preferred Investment Account

Keep your options open

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

Apply Now to Open An Account


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

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.


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.