CD Rates

Minimum Opening Deposit 1,000.00
Term 12 months
Interest Rate 0.50%
Annual Percentage Yield 0.50%
Annual Percentage Yield is effective as of August 3, 2016.
Rates are subject to change. A penalty may be imposed for early withdrawal.

SGBC Encourages "Digital Spring Cleaning"

South Georgia Banking Company’s commitment to to our customers and their financial security is a top priority.  Along with The National Cyber Security Alliance (NCSA) and Better Business Bureau (BBB), we are encouraging consumers to be proactive and keep their cybersecurity top of mind by doing a thorough "digital spring cleaning."  SGBC also suggests making this an annual ritual.  By keeping all of your computers, laptops, tablets, etc. clean - purging old files and enhancing security features - you can ensure that your online reputation stays intact.

The NCSA and BBB offer great tips for a four-week plan.  Click here for a printable Digital Spring Cleaning checklist on our SGBC site.  Call South Georgia Banking Company with any questions - our aim is to keep your protected.

New Website, Online Banking and Mobile Banking Coming Soon!

We are excited to announce our plans for updated online services!  A newly designed website will be live in late August, followed by a new Online Banking platform in September and a Mobile Banking update to follow.  We know how important updated technology is to our customers; we are excited to let you know these changes are headed your way.


The new website will feature a fresh, modern feel and will be much easier to navigate.  Our web address will remain the same: but will offer many new convenience functions, up-to-date information and helpful financial tools.  You’ll love that you can easily reorder checks, access loan application paperwork and apply for a credit card online – anytime it’s convenient for you! 


The updates planned for our Online Banking and Mobile Banking services will make access to your accounts even more user friendly, with improved navigation and search features.  Please note that you will always be able to access your Online Banking account through  


As we draw closer to the launch of each of these services, we will send multiple notifications to our customers including any important information regarding changes on accessing your accounts.  We will also make information available to you through our new website.  If you have any questions at all, please call your local office and speak to a customer service representative or stop by one of our branches.  We’re here to help!

Banking Services

Internet Banking

Small Business is Big!

Experience our better online banking for yourself! Click a link below to learn more.

Features include payroll direct deposit, internet banking, and night depository services.

Mortgage Information

Bank-Owned Properties

Our mortgage specialists navigate customers through the loan process step-by-step.

Check out our bank-owned properties including residential, commercial, investment and land.

Electronic Deposit Insurance Estimator

Use the FDIC's Electronic Deposit Insurance Estimator (EDIE) tool to find out what deposits are insured and what portion (if any) exceeds coverage limits.