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 October 7, 2015.
Rates are subject to change. A penalty may be imposed for early withdrawal.

SGBC Appreciates Our Customers - And It Shows!

South Georgia Banking Company loves our customers - and we aim to prove it!  Join us for our next Customer Appreciation Day so we can show our thanks to YOU for making SGBC great!  


Upcoming Customer Appreciation Days at all branch locations:



Welcome Fall: Friday, September 18th



Georgia Peanut Bank Week:  October 12-16th



Veteran’s Day Reception: Tuesday, November 10th



Christmas Celebration:  Friday, December 18th



As we plan more of these special days throughout the year, we will be sure to alert all of our appreciated customers.  See you soon at one of our locations to celebrate YOU!

Customer Security

Online Security


As a consumer or a business that uses online banking you will be interested to know that supervisory guidance from the Federal Financial Institutions Examination Council will guide banks to continue to assure that your accounts are properly secure and all types of online transactions are safer and more secure.

The authentication process is vital to insure that it is you, and  not someone that has stolen your identity or taken over your business account, logging into your online account and conducting transactions.  Multifactor authentication uses more than one method of verification and is a stronger fraud deterrent. 

Our solution is designed to reduce the risk of fraud by confirming user identity when a user accesses online banking with their user ID, plus additional security layers/components.

Customer vigilance is critical to your online safety.  Knowing how fraudsters work and understanding the risks will help you have a safe online banking experience.  Following are links that provide critical “need to know” information.

7 tips for protecting yourself online

8 tips to protect your identity

5 ways to protect your small business from account fraud

10 ways to protect your mobile device


Fraud & Identity Theft

Consumer Alerts

Consumer Reporting Agencies

Small Business Information Security Resources