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.”

SGBC Puts Its Best Foot Forward

Several local charities and schools in our area are in need of shoe donations –and that’s where South Georgia Banking Company (SGBC) is stepping in.
Throughout the month of October, SGBC will accept shoe donations at our branches located in Tift, Colquitt, Turner and Crisp counties. New or gently used shoes are preferred and can be dropped off at collection stations located in each branch’s lobby. All donations benefit charities and schools within each county. Recipients in Tift County include Brother Charlie’s, Ruth’s Cottage and children in grades K-6 at Charles Spencer, Matt Wilson and Omega Elementary.

Brother Charlie’s provides a shelter and transitional housing for homeless men in addition to a long-term residential substance abuse rehabilitation program. Help these men get back on their feet with donations of shower shoes, slippers/house shoes and work boots.

At Ruth’s Cottage, a Domestic Violence Prevention and Intervention Program, they help victims and their children take a step in the right direction through a variety of services including safe shelter, support groups, relocation assistance and more. They are in need of women’s work and casual shoes (no heels please) as well as children’s school shoes.

“The idea to host this shoe drive stemmed from our 2010-2011 marketing campaign ‘Partners in the Walk of Life,’” said Melinda Moore, Senior VP of Operations. “We realize that there are many people out there who are in a difficult place in life; therefore, we wanted to extend our services beyond banking and do our part to make a difference.”
SGBC’s “Partners in the Walk of Life” campaign features various shoe styles that represent different walks of life. From taking care of business and planning for life’s surprises to anything in between, Moore says that SGBC is here to give sound advice and provide tools customers need from a banking partner.

Shoe Deliveries made by Morris Tankersley, Cory Lord, Amanda Willis, Mallory Moore, Ann Spears, Jane Justice and Dawn Marchant.

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