Personal Savings Accounts

Savings Made Simple!

Whether you're saving for a special purchase or thinking about the future, we're here to help you meet your financial goals.


Regular Savings*

 The perfect place to tuck away money knowing it will be there when you need it.

  • $25 minimum opening balance requirement 
  • $25 minimum daily balance requirement to avoid $2 monthly service fee
  • Interest credited quarterly


Youth Savings*

Good habits begin early in life — like saving your pennies.

  • $25 minimum opening balance requirement 
  • No monthly service fee
  • No minimum balance requirements
  • Interest credited quarterly


Christmas Club

A safe and easy way to save now for all those holiday purchases at the end of the year. 

  • $25 minimum opening balance requirement 
  • No monthly service fee
  • No minimum balance requirements
  • Interest credited at maturity
  • Funds dispersed at maturity in mid-October
  • No early withdrawals


Money Market Investment Account*

You don’t have to tie up your money in order to earn a great rate! 

  • $2,500 minimum deposit to open
  • $2,500 minimum daily balance requirement to avoid $7.50 monthly service fee
  • Interest credited monthly
  • Tiered interest rates based on account balance 
  • Check writing capabilities 


Certificates of Deposit 

A Certificate of Deposit (COD) is a time deposit with a specific, fixed term tied to it. This savings tool allows you to earn a competitive interest rate over a chosen period of time that works best for you. West Pointe Bank offers a variety of short-term and long-term COD products to meet your individual needs.


Individual Retirement Account (IRA)

An Individual Retirement Account (IRA) is a great way to plan for your long-term future and put money aside for retirement savings while earning a competitive interest rate. Choose the IRA plan that makes the most sense for you: Roth, Educational, Simple, or Traditional; then choose the account type that works the best for you. We offer both fixed rate IRA CODs, with the current interest rate in effect guaranteed for the entire term, as well as Money Market IRAs, with tiered rates that changes based on your account balance. 

You should consult a tax advisor for further information regarding IRAs. 


*Federal regulation limits certain transactions in Savings Accounts, including Money Markets, to six withdrawals and/or transfers each cycle including, but not limited to transactions that are initiated online, by phone, or by ACH/automatic debit.