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 26, 2015.
Rates are subject to change. A penalty may be imposed for early withdrawal.

Vacation Planning Made Easier with SGBC

It’s summertime, school is out, and it’s time to get those vacations going.  Planning and financing your vacation can be daunting, though.  Those trips to Disney World and even a week on the beach can cost more than you might have set aside, but vacation planning is made much easier with a personal loan from SGBC.  Affording a great vacation for your family can be well within your reach.  

What are the advantages to a vacation loan?

·         You can avoid high interest credit card payments.  Unlike credit cards - where rates are high and can get higher at a moment’s notice - an SGBC vacation loan offers fixed rates and payments.  Your rate will stay the same until your loan is paid off.

·         It’s an easy process!  Come by any of our seven branches and speak to a loan specialist - we can have you set up and on your way in no time. 

·         Fast approval.  SGBC’s loan application process is simple - apply today, and you could be planning your dream vacation within days. Financing is available to qualified borrowers -- subject to loan underwriting criteria.

Vacation time is quality time for you and your family.  SGBC wants to help you make memories this summer!  Give us a call or stop by today.

About Us

South Georgia Banking Company is a full-service, independent, locally owned bank. Our locations in Tift, Colquitt, Turner, Crisp and Dooly counties provide a solid base for our wide variety of banking services targeted primarily to the consumer, small business and agricultural sectors.

History

In 1970, a  local group of businessmen in Omega, GA took measures to convert the Citizens Service Bank, a regulated certificated bank, to a state chartered bank; they applied for FDIC insurance and on April 15, 1970 the state bank charter was granted and the name was changed to South Georgia Banking Company.  By mid-year deposits were insured through the FDIC. The bank operated independently at the Omega location until 1976 when a Tifton branch was opened on Fourth Street.  This building still serves as one of our branch offices. 

In 1987, with deposit growth and an increasing customer base, the bank opened a second Tifton Office at 725 W. 2nd Street which now serves as the bank’s main office.  Then in 2000 following changes in regulations to allow branching across county lines, SGBC opened an office in Moultrie, Georgia on the east bypass.  In July 2004, SGBC opened a third location, convenient to Tifton’s fastest growing sector on Tift Avenue, north of 20th Street.  Significant expansion plans were realized in 2006 with the acquisition of Community National Bank in Ashburn and Cordele, Georgia.  SGBC’s most recent acquisition was completed in 2014 with the addition of the Bank of Dooly in Vienna, Georgia, increasing South Georgia Banking Company's locations to eight offices in five South Georgia counties. 

Each of our locations strive to achieve our mission by providing service beyond expectations.  The words of our 70’s original theme song still ring true today, “we take your banking personally”.