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.”

South Georgia Banking Company Announces Addition of Mike Rice

South Georgia Banking Company (SGBC) announces the addition of Mike Rice at their Ashburn branch. A veteran bank lender and Turner County native, Mike’s experience is in commercial and agriculture lending as well as consumer lending.

“I am very excited about working with South Georgia Banking Company,” said Rice. “I’m looking forward to working with the businesses, farmers and people I have known my entire life.  To be able to offer the benefits of a local community bank to my friends and neighbors is a great opportunity.”

Glenn Willis, president of South Georgia Banking Company, knows the combination of banking experience and local knowledge Rice brings to the table delivers a lot of value to customers.

“Mike’s 17 years in banking and his Ashburn roots make him an instant fit for our customers in the Turner County area,” said Willis. “We are fortunate to bring someone with his experience and knowledge to our team.”

Rice began working in the banking industry in 1996.  He is a graduate of the Community Bankers Association of Georgia’s Banking School and has attended numerous other schools, including Consumer Lending School and Commercial Lending School. 

South Georgia Banking Company, with locations in Tifton, Moultrie, Ashburn and Cordele, works with area businesses, farmers and individuals to provide loans and other banking services.  “We take a real interest in our customers and their needs. From business and agriculture loans to help growth and expansion to personal loans and mortgages, our officers provide customized banking solutions, ” said Willis.

Rice and his wife Sheila, who is an owner in Calhoun Produce, have two children; Jessi, a student at Abraham Baldwin Agricultural College and Jake, a student at Turner County High School. 

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