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 October 29, 2014.
Rates are subject to change. A penalty may be imposed for early withdrawal.

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.

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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.

 
  • 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