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 5, 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.

SGBC Prime Timers Sponsor Breast Cancer Awareness Luncheon

HealthPlus, South Georgia Banking Company Prime Timers and the Turner County Health Department sponsored a free Lunch and Learn on Tuesday, October 25 at the Ashburn First Baptist Church Fellowship Hall from 12-1 pm.  Over 100 women attended as Judy Weaver, Family Nurse Practitioner at South Georgia Surgical Clinic, spoke on, “Breast Cancer Awareness”.  The women enjoyed a complimentary meal provided by Mrs. Wanda Bell.  Each woman received a free goody bag provided by Tift Regional Medical Center and the lecture ended with lots of great door prizes provided by the Health Department and South Georgia Banking Company.  Mrs. Weaver indicated several steps you can do to help reduce your risk of Breast Cancer, which is noted by the American Cancer Society.  These steps are listed below. 


  • Watch your weight. Being overweight or obese is associated with increased risk of developing breast cancer. So, choose foods that will help you maintain a healthy weight and eat five or more servings of a variety of vegetables and fruits each day. Try to choose whole grains instead of processed (refined) grains and sugars, and limit the amount of red meat you eat, especially meats that are high in fat and are processed. Balance the number of calories you consume with your physical activity.
  • Exercise. Adults should engage in moderate or vigorous activity for at least 30 minutes a day on five or more days per week. Forty-five minutes or more of exercise on five or more days per week may be even better for reducing the risk of breast cancer. 
  • Limit the amount of alcohol you drink. Women who drink alcohol should limit their intake to no more than one drink per day (no more than two for men). The recommended limit is lower for women because of their smaller body size and slower metabolism of alcohol. A drink is defined as 12 ounces of beer, five ounces of wine, or 1.5 ounces of 80-proof distilled spirits.
  • Early detection is the best form of prevention.  “That’s why regular screenings such as clinical breast exams and mammograms are so important”, said Weaver.  The American Cancer Society’s current breast cancer screening guidelines are as follows:
    • Yearly mammograms should begin at age 40 and continue for as long as a woman is in good health.
    • A breast exam should be part of a periodic health exam – about every three years for women in their 20s and 30s and every year for women age 40 and older.
    • Women should know how their breasts normally look and feel and report any breast change to a health care professional right away. Breast self-exam is an option for women starting in their 20s.

Consult your physician or visit the American Cancer Society website at for guidelines.

Pictured L to R - Judy Weaver, FNP-BC, South Georgia Surgical Clinic, Kristy Walters, Community Relations Coordinator with HealthPlus, Melba Brown, South Georgia Banking Company and Jetta Sprayberry, RN, Turner County Health Department.


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