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 February 25, 2015.
Rates are subject to change. A penalty may be imposed for early withdrawal.

SGBC Shows Support at Georgia Peanut Farm Show

South Georgia Banking Company, a bank steeped in agricultural support and history, enjoyed participating in the 39th annual Georgia Peanut Farm Show at the UGA Tifton Campus Conference Center on January 15th. 
 

Over 2,100 farmers attended the event to see more than 100 exhibits, hear seminars and attend an awards ceremony. Pictured here are SGBC's Hali Tucker, Maghan Campbell and Brian Tankersley at their booth within the Georgia Peanut Farm Show.

 

2015 Savings Resolutions


With the first month of the year behind us, itís time to reassess your New Yearís Resolutions.  Maybe you didnít make any resolutions, or maybe youíve already broken them!  Regardless, it's never too late to give your finances a checkup and add Ďsavingí to your list of priorities. Below are a few tips from South Georgia Banking Company to help you successfully save for the future.

1. Get Out of Debt. Pay off debt carrying double-digit interest rates by finding ways to cut your spending so you can pay down your debt faster.

2. Save for Emergencies. Don't get caught off guard by an unexpected expense in 2015. Save a portion of your tax refund to kick-start or grow your savings. Designate 30% of your refund to pay off debt and catch up on outstanding bills. Earmark 40% for current use. Use the remaining 30% to jumpstart an emergency fund or long-term savings.

3. Save for Retirement. Participate in a work-related retirement program or open up a Roth IRA. Already saving? Consider increasing the amount you save towards retirement by 1% in 2015.

4. Make Savings Automatic. An easy way to save money without ever missing it Ė make your savings automatic in 2015. If you have direct deposit, ask your employer to divide your paycheck into two different accounts. Or, make it a habit to take a defined amount of cash to the bank each payday and physically deposit it into a savings account.

If you donít have a lot of extra money, donít despair, even small amounts can pay off in a big way. Saving a small amount every month can help you accumulate a significant amount of money if itís given enough time to compound.

In addition to helping our customers make and keep saving resolutions, South Georgia Banking Company also supports the Teach Children to Save initiative, a nationally organized program of the American Bankers Association, celebrated in April each year.  Watch for SGBC to bring some educational opportunities to the schools and libraries in your community.

Are you ready to set a savings goal? Stop by one of our eight locations today and talk with a South Georgia Banking Company representative or learn more at SGBConline.com.

 

Banking Services


Internet Banking

Small Business is Big!

Experience our better online banking for yourself! Click a link below to learn more.
 

Features include payroll direct deposit, internet banking, and night depository services.
 

Mortgage Information

Bank-Owned Properties

Our mortgage specialists navigate customers through the loan process step-by-step.
 

Check out our bank-owned properties including residential, commercial, investment and land.
 
 

Electronic Deposit Insurance Estimator

Use the FDIC's Electronic Deposit Insurance Estimator (EDIE) tool to find out what deposits are insured and what portion (if any) exceeds coverage limits.