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 July 20, 2016.
Rates are subject to change. A penalty may be imposed for early withdrawal.

SGBC Encourages "Digital Spring Cleaning"

South Georgia Banking Company’s commitment to to our customers and their financial security is a top priority.  Along with The National Cyber Security Alliance (NCSA) and Better Business Bureau (BBB), we are encouraging consumers to be proactive and keep their cybersecurity top of mind by doing a thorough "digital spring cleaning."  SGBC also suggests making this an annual ritual.  By keeping all of your computers, laptops, tablets, etc. clean - purging old files and enhancing security features - you can ensure that your online reputation stays intact.

The NCSA and BBB offer great tips for a four-week plan.  Click here for a printable Digital Spring Cleaning checklist on our SGBC site.  Call South Georgia Banking Company with any questions - our aim is to keep your protected.

Community News

SGBC Celebrates Georgia Peanut Bank Week

South Georgia Banking Company celebrates Georgia Peanut Bank Week by congratulating all Georgia Peanut Farmers for their outstanding peanut production.   Georgia leads the nation in peanut production and South Georgia Banking Company is proud to support the peanut industry and our local farmers.  In recognition of Georgia Peanut Bank Week (October 18-25), all SGBC locations will be giving away peanut snacks, displaying local artwork and serving refreshments for customers on Friday, October 24.  Print out this coloring page for the kids to color and return it to your local branch for them to display in the lobby.



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.  Learn more. 




Mary Bennett Retires from SGBC After 32 Years

Mary Bennett is retiring after 32 years with SGBC in our Omega office.  Shown are:  Pait Willis, Mary Bennett, David Keith, Glenn Willis.



SGBC Joins in the Suitcase for Kids Project

The Georgia State Patrol, Post 13, and many generous donors in the Tifton Judicial Circuit partner with Ruth’s Cottage and the Patticake House to help make a difference in a child’s life for Christmas. Over 400 children benefit from this effort.  Our Operations Department enjoys helping with the Suitcase for Kids project. Pictured are Operations Department staff gathering items for two sponsored children.




South Georgia Banking Company is helping support Breast Cancer Awareness this month by Painting the Town Pink at our Operations Center in Tifton!




South Georgia Banking Company Celebrates Omega Pepper Festival 

The employees of the Omega branch of SGBC celebrated along with the community, the Omega Pepper Festival Sept 13 and 14.  The annual festival celebrates Omega’s agricultural heritage with a parade, arts and crafts, a fun run, music and delicious food.




SGBC Recognizes Lt. Col Jenkins for Long Time Service

South Georgia Banking Company presented Lt. Col Selwyn Jenkins, United States Air Force Reserve, with a gift of military history books in recognition of his recent award and long time service to our country and the Georgia State Patrol, Tift and Crisp posts.  On May 4, Jenkins was awarded a Defense Meritorious Service Medal, the third-highest medal bestowed upon a member of the armed forces by the U.S. Department of Defense. He served in Kuwait, Saudi Arabia and three tours in Iraq with 32 years in the U.S. Air Force Reserves.

Pictured: (L to R) Lt. Col Selwyn Jenkins and Morris Tankersley, Assistant Vice President, South Georgia Banking Company.



Tift County



Reinhardt Named to South Georgia Banking Company Board of Directors

South Georgia Banking Company recently elected Bill Reinhardt to its Board of Directors. Bill, a Tift County native, received a Bachelor of Science in Agriculture in 1987 from the University of Georgia, followed by a Juris Doctor in 1990, also from UGA. After law school, he worked in private law practice at Reinhardt, Whitley, Summerlin & Pittman until 2006 when he was elected as one of two Superior Court judges for the Tifton Judicial Circuit, which includes Irwin, Tift, Turner and Worth counties. Currently, he serves as Chief Judge of the Superior Courts for the Tifton Judicial Circuit. Read more...

View All Tift County News


Colquitt County


 Juanita Gay

Retirement Marks New Beginning

After almost 27 years as a teller in Moultrie, 12.5 of those years most recently at SGBC, Juanita Gay has retired. On December 28, the Moultrie branch held a retirement party in her honor. Customers as well as current and former co-workers and friends attended the party to send Juanita off in style. Read more...

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Turner County


Chris McCard


Chris McCard Named City President 

Chris McCard is now serving as City President in Ashburn. He has been responsible for commercial and agricultural lending as well as the management of the lending staff - both of which he felt prepared him to manage the entire bank staff and a growing customer base. Chris is originally from Ashburn and began his banking career in 1992 at Community National Bank where he served as Executive Vice President until the bank was purchased by SGBC in 2006. As City President, Chris enjoys the daily interaction with the Ashburn community and being able to help them with all their finanical needs. Read more...

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Crisp County



Welcome Lonnie McKinney

South Georgia Banking Company announces the addition of Lonnie McKinney as Business Development Banker in our Cordele location. In addition to previous banking experience where he specialized in SBA and FSA lending programs, Lonnie was awarded the Georgia U.S. Small Business "Financial Services Advocate of the Year" award and the One Georgia Authority Entrepreneur Small Business Award. Read more...

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