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's Tift Ave Location Will Host Cotton Mill Exhibit May 5-10

On Saturday, March 15th, South Georgia Banking Company sponsored the kick-off of one of the most moving, historical exhibits Tifton has ever seen. Through a Georgia Humanities Council grant, Georgia Museum of Agriculture at Abraham Baldwin Agricultural College was able to bring to life a series of photographs taken at the H.H. Tift Cotton Mill in Tifton 105 years ago through a large-scale exhibit, The Cotton Mill Children: Tifton’s Impact on America.

During the early 1900’s, photographer Lewis Hine used his camera to document the conditions of the working class in the factories and mills of the urban and rural parts of the United States in the early 20th century, in particular, child labor. On January 22, 1909, Hine took a picture of two children in the Tifton Cotton Mill, a photo of a mother and nine of her 11 children in front of their Cotton Mill village house in Tifton, along with three other images. These photos were published and contributed significantly to raising awareness of child labor and bringing it to an end.

The picture of the two little girls captured the attention of Massachusetts historian Joe Manning who decided to uncover the identity of the people in images – which, after many years of work and research, along with a little luck, he did.

On March 15, Manning met nearly 100 descendants of Catherine Young, the mother in the photo, at the exhibit's opening, including those of the little dark haired girl in the photo he first saw, who was Young's daughter.  The little girl in the photo, Young's daughter, who was adopted not long after the photo was taken, turned out to be the mother of long time Tifton resident, Dr. Earl Parker.

The Cotton Mill Exhibit is considered a permanent display at the Georgia Museum of Agriculture but is available to schools as a traveling educational exhibit. From May 5-10, the exhibit will be on display at South Georgia Banking Company's Tift Avenue location in Tifton.  If you have not seen this piece of local history, please come by and enjoy!


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