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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.
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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.”

South Georgia Banking Company Adds Tifton Native Chris Cutts

South Georgia Banking Company announces the addition of Chris Cutts as a vice-president at the bank’s Tift Avenue location in Tifton. Cutts, a Tifton native, brings both business and banking experience to his new position.

"I was attracted to South Georgia Banking Company's dedication to the community and their employees. Being part of a locally-owned small business is important to me, especially one with a reputation like South Georgia Banking Company. For over 40 years, they have been known leaders in the market." Cutts said. "I look forward to continuing my involvement with the community and the chamber, while driving new business across our current markets."

Glenn Willis, president of South Georgia Banking Company, said combination of business experience and banking experience delivers a lot of value to customers.

“Chris’ solid business experience, along with his banking background, fit perfectly with our focus of working with small businesses.  His experience, combined with his local knowledge, means he will be able to hit the ground running,” said Willis. “We are fortunate to bring someone of his caliber to our team.”

Chris, an Auburn University graduate with a BS in Finance, has five years of commercial lending and banking experience along with 12 years business experience. He is an active member of the Tifton-Tift County Chamber of Commerce and was named the 2013 Chamber Ambassador of the Year. Chris is a member of the Len Lastinger Primary School Parent’s Council/Advisory board and is a youth sports coach with the Tift County Recreation Department, Tiftarea YMCA, and Northside Baptist’s Upward Basketball program.

South Georgia Banking Company, with locations in Tifton, Omega, Moultrie, Ashburn, Cordele, and Vienna, works with area businesses, farmers and individuals to provide loans and other banking services.  “From business and agriculture loans to help growth and expansion to personal loans and mortgages, our officers provide customized banking solutions, ” said Willis. “Each officer takes a personal interest in our customers. It’s part of what makes a community bank different.”

Cutts and his wife, the former Laura Abbott, have one daughter, 9-year-old Kylei, a student at Len Lastinger.  The family attends Northside Baptist Church in Tifton.

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