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 November 18, 2015.
Rates are subject to change. A penalty may be imposed for early withdrawal.

South Georgia Banking Company’s Neil Joiner to Retire after 35 Years of Service to Dooly County

December 31st will mark the end of Neil Joiner’s dedicated service to the banking industry of Dooly County. Joiner’s retirement comes after 35 years of banking; first as a loan officer and president for Bank of Dooly and eventually as City President for South Georgia Banking Company’s Vienna branch.



A native of Dooly County, Joiner graduated from Unadilla High School in 1970 and went on to pursue a degree in Business Management from Valdosta State University. He was a graduate of Georgia Banking School and received another degree from the Graduate School of Banking at Louisiana State University.



Though his career in banking kept Joiner busy, he has also been an active member of the community. He served as a board member for the Dooly County Chamber of Commerce for over 30 years, and has been a long time member and serves as current chairman for several local development authorities including: Crisp-Dooly Joint Development Authority, Dooly County Industrial Development Authority, Vienna Development Authority and Vienna Downtown Development Authority.



Joiner has served in various positions with the Georgia Bankers Association (GBA) and the Community Bankers Association of Georgia (CBA), including several terms as Director of CBA.



Neil and his wife, Jane, have been married since 1974 and had triplets in 1978: Erin, Seth and Carrie. They now have four grandchildren: Abby, Melanie, Megan and Walt. The Joiner family is active in Vienna First Baptist Church where Neil currently serves as deacon, church pianist and Sunday school teacher.



Neil’s hobbies include writing, music and fishing. He is publishing his first book this year, an illustrated patriotic poem entitled, “What America Is” - which was inspired by his triplets who were five years old when he wrote the poem.



Joiner will be missed as both a hardworking and vibrant member of the South Georgia Banking Company family and the Dooly banking industry as a whole. SGBC will be holding a retirement reception in Joiner’s honor on Friday, December 11th from 3pm to 5pm at their Vienna location, 210 South 3rd Street. All are welcomed. Come help us celebrate Neil Joiner who believes that “George Bailey continues to provide the best example of what a banker should be.”

Teresa Coarsey Lasseter Named to South Georgia Banking Company Board of Directors


Pait Willis, Chairman of the South Georgia Banking Company recently announced the election of Teresa Lasseter to the bank’s Board of Directors. She is a Moultrie resident, a Tift County native, and recently completed service as the Administrator of the USDA’s Farm Service Agency.

“Selecting Teresa to the bank’s board was an outstanding and timely decision,” said Bob Montgomery, City President of South Georgia Banking Company’s Moultrie Office. She understands the ag economy of our market area extremely well because most of her career has been in that industry. She began with county FSA offices, then moved up to serve as the state’s FSA executive director, and was most recently the administrator of the agency in Washington D.C.” Montgomery continued, “She has actively served in her community through many leadership positions, is well respected, and will bring new energy and enthusiasm to the bank’s mission.”

Lasseter is a graduate of Abraham Baldwin Agricultural College (ABAC) and in 2006 was recognized as an ABAC Outstanding Distinguished Alumnus. She has served on the Georgia Ports Authority and South Georgia Business for Economic Development boards, chaired the Tifton-Tift County Chamber of Commerce in 1999, and is past executive director of Georgia Agrirama Development Authority. Community involvement includes membership in the First Presbyterian Church, Sunset County Club, ABAC’s President Club and the National Society of the Colonial Dames.
“I’m honored to serve with people I’ve known and respected all my life; the board members are businessmen who care about the community and want to see continued growth in South Georgia. I am very happy to be part of such a group” said Lasseter. “I’ve been very fortunate that my career has allowed me to meet and work with so many who have my love and appreciation of the agrarian life.”

Teresa is married to Willard Lasseter and in her free time enjoys reading, gardening, traveling, and spending time with her granddaughter, Tess.

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