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 7, 2015.
Rates are subject to change. A penalty may be imposed for early withdrawal.

SGBC Appreciates Our Customers - And It Shows!

South Georgia Banking Company loves our customers - and we aim to prove it!  Join us for our next Customer Appreciation Day so we can show our thanks to YOU for making SGBC great!  


Upcoming Customer Appreciation Days at all branch locations:



Welcome Fall: Friday, September 18th



Georgia Peanut Bank Week:  October 12-16th



Veteranís Day Reception: Tuesday, November 10th



Christmas Celebration:  Friday, December 18th



As we plan more of these special days throughout the year, we will be sure to alert all of our appreciated customers.  See you soon at one of our locations to celebrate YOU!

Is Your Business Chip Ready?

With all of the recent security breaches - think Target, Home Depot and countless other merchants - providing your customers with the latest in technology when it comes to keeping their bank account information safe is becoming increasingly important.  Chip technology provides advanced security for merchants and their customers, and now is the time to become chip ready!


What do you need to accept a chip payment?

You will need a chip-enabled terminal from your payment services provider.  These have all the features youíre used to, with the addition of a slot for the customer to insert their chip card.  The slot is typically located at the bottom or top of the payment terminal.


Why should I get a chip-enabled terminal?

You may be liable for fraud if you donít make the change to chip terminals.  After October 1, 2015, liability will shift from issuers to merchants if their payment terminals are not chip-enabled for in-store transactions.  Fraud liability for lost or stolen cards varies by payment network.



Contact South Georgia Banking Companyís Diana Owen at 229.238.0715 for more information and to see if chip terminals are right for your business.

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.