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 May 25, 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.

Financial Links

Consumer Credit Counseling

Many credit counseling organizations are nonprofit and work with you to solve your financial problems. Beware that just because an organization says it is "nonprofit" does not guarantee that its services are free or affordable, or that its services are legitimate. A reputable credit counseling agency should send you free information about itself and its services without requiring you to provide any details about your situation. If an organization does not do that, then consider it a red flag and go elsewhere for help. Below are links and contact information to consumer credit counseling and financial education program resources.

 
  • Routing Numbers:  The American Banking Association (ABA) has launched a new online tool allowing customers to look up bank routing numbers.  Routing numbers were created to ensure accuracy by assigning a unique nine-digit identifier to a financial institution and can be used for check processing, electronic funds transfer and online banking.  Check for routing numbers here:  routingnumber.aba.com  
  • FDIC: To learn more about smart ways to manage your money, you can complete the FDIC Money Smart financial education program online through www.fdic.gov/moneysmart.  Read the FDIC's free publications, become a better informed consumer and submit comments through http://www.fdic.gov/consumers/consumer/
  • U.S. Department of Housing and Urban Development (HUD): Want advice on buying a home, renting, default, foreclosure avoidance, credit issues or reverse mortgages? HUD sponsors housing counseling agencies throughout the country to provide free or low cost advice. To locate a Housing Counseling Agency in your area, call HUD's interactive voice system at (800)569-4287 or search online at http://www.hud.gov/offices/hsg/hcc/hcs.cfm.
  • Foreclosure Avoidance Counselor: To locate a Foreclosure Avoidance Counselor in your area, call HUD's interactive voice system at (800)569-4287 or search online at http://www.hud.gov/offices/hsg/sfh/hcc/fc/.
  • Reverse Mortgage Counselor: To locate a Reverse Mortgage Counselor in your area, call HUD's interactive voice system at (800)569-4287 or search online at https://entp.hud.gov/idapp/html/hecm_agency_look.cfm.
  • National Foundation for Credit Counseling (NFCC): To locate a NFCC Member Agency in your area, call 800-388-2227 or visit http://www.nfcc.org/FirstStep/firststep_03.cfm.
  • U.S. Department of Justice (DOJ): To locate a nonprofit budget and credit counseling agency approved to provide counseling that individuals must take before they are eligible to file for bankruptcy protection, 11U.S.C.109(h), search online at http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm.
  • Federal Trade Commission (FTC): For information on how to choose a credit counselor, the FTC has information regarding what constitutes reputable credit counseling organizations, questions to ask, tip-offs to rip-offs, and other valuable information on its website at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm. The FTC has also created a Money Matters website to help consumers tackle money issues and includes tips and resources on money matter including scam watch, credit cards, managing your money, dealing with debt, your home, and jobs. You can access the Money Matters website http://www.ftc.gov/MoneyMatters.

 

Small Business Resources

 

Community Resources