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



Veteran’s 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!

SGBC Celebrates 39th Annual Georgia Peanut Bank Week

As Georgia’s official state crop, peanuts are a $1.25 billion industry for our state.  South Georgia Banking Company celebrates Georgia Peanut Bank Week, occurring October 13th - 16th, by giving a special salute to peanut producers across the state during this time of peanut harvesting.  Georgia leads the nation in peanut production and SGBC is proud to partner with the peanut industry and our local farmers. 

This year’s theme is “Peanuts & Banking:  A Powerful Partnership.”  In recognition of Georgia Peanut Bank Week, all SGBC locations will be giving away peanut snacks and other refreshments to show our appreciation for the peanut industry on October 16th.  Customers are invited to attend and show their support as well.  

The Georgia Peanut Commission distributes nearly 2 million bags of Georgia peanuts worldwide each year.  Come help SGBC honor this nutritional, delicious and booming local industry during Georgia Peanut Bank Week this year.  

For recipes and more information about this power-food, go to

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.