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

South Georgia Banking Company’s Neil Joiner to Retire after 35 Years of Service to Dooly County

December 31st will mark the end of Neil Joiner’s dedicated service to the banking industry of Dooly County. Joiner’s retirement comes after 35 years of banking; first as a loan officer and president for Bank of Dooly and eventually as City President for South Georgia Banking Company’s Vienna branch.



A native of Dooly County, Joiner graduated from Unadilla High School in 1970 and went on to pursue a degree in Business Management from Valdosta State University. He was a graduate of Georgia Banking School and received another degree from the Graduate School of Banking at Louisiana State University.



Though his career in banking kept Joiner busy, he has also been an active member of the community. He served as a board member for the Dooly County Chamber of Commerce for over 30 years, and has been a long time member and serves as current chairman for several local development authorities including: Crisp-Dooly Joint Development Authority, Dooly County Industrial Development Authority, Vienna Development Authority and Vienna Downtown Development Authority.



Joiner has served in various positions with the Georgia Bankers Association (GBA) and the Community Bankers Association of Georgia (CBA), including several terms as Director of CBA.



Neil and his wife, Jane, have been married since 1974 and had triplets in 1978: Erin, Seth and Carrie. They now have four grandchildren: Abby, Melanie, Megan and Walt. The Joiner family is active in Vienna First Baptist Church where Neil currently serves as deacon, church pianist and Sunday school teacher.



Neil’s hobbies include writing, music and fishing. He is publishing his first book this year, an illustrated patriotic poem entitled, “What America Is” - which was inspired by his triplets who were five years old when he wrote the poem.



Joiner will be missed as both a hardworking and vibrant member of the South Georgia Banking Company family and the Dooly banking industry as a whole. SGBC will be holding a retirement reception in Joiner’s honor on Friday, December 11th from 3pm to 5pm at their Vienna location, 210 South 3rd Street. All are welcomed. Come help us celebrate Neil Joiner who believes that “George Bailey continues to provide the best example of what a banker should be.”

Personal Banking

Learn more about managing your personal finances: 


Our checking accounts are designed to meet the needs of our customers. Find the one that is your perfect fit. All personal checking accounts allow access to your account by paper checks, debit cards, Internet Banking and the ATM. For more information on any of these accounts, please contact a customer service representative at any of our convenient locations.

 Personal Checking

Our basic checking account is designed for a person who does not write a lot of checks or keeps a moderate balance in the account. You can open the account with a minimum deposit of $50.00. The monthly maintenance fee is $5.00 and the per debit charge is $.20, but you can avoid both charges by keeping a daily minimum balance of $500.00.

 Flat Fee Checking

If your account has a lot of activity or maintains a low average balance, this is the solution for you. Open this account with a minimum deposit of $50.00 and enjoy unlimited check writing for a flat fee of $10.00 per month.

 Student Checking

Students need an account that keeps up with a hectic schedule. Designed for full time students through the age of 22, Student Checking allows unlimited access to any South Georgia Banking Company ATM at no charge. The account can be opened with a minimum deposit of $50.00 and there is no minimum balance requirement, monthly maintenance fee or per debit charge. On your 23rd birthday, we will begin charging a $10 monthly maintenance fee.

 Senior Checking + Interest

Senior Checking is for our customers age 62 and over. When you open your account with a minimum deposit of $50.00 you are entitled to several benefits: you will have no maintenance or per debit fees and you will be exempt from fees to purchase Cashier's Checks. This is an interest bearing account in which the interest rate is determined by the account balance tier formula. Ask our Customer Service Representative about competitive time deposit rates.

 NOW Accounts

Choose this account for unlimited check writing and interest earnings on your balance. The interest rate and annual percentage yield are available on the Rate Chart at any banking location, and are subject to change at the bank's discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Interest will be compounded monthly and will be credited to the account monthly. The monthly maintenance fee of $10.00 will not be charged if the daily collected balance does not fall below $1000.00.



South Georgia Banking Company offers a variety of interest bearing savings accounts to enable our customers to save, and at the same time, have easy access to their money. Saving for the future is made easy with an automatic transfer from your checking to your savings account.

 Personal Savings

Open this account with a minimum deposit of $50. Six free withdrawals can be made during each quarterly statement period; additional withdrawals are $2.50 each. The interest rate and annual percentage yield is subject to change at the bank's discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Interest will be compounded quarterly and will be credited to the account quarterly. If you close the account before interest is credited, you will not receive the accrued interest.

 Money Market Account

Choose this account to earn the Money Market interest rates.  The interest rate is determined by an account balance tier formula; the higher the balance the higher the rate. No monthly maintenance fees for daily balances of  $2,500 or more.

*Savings accounts may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card and similar transactions from your account per month or statement cycle.


South Georgia Banking Company handles both installment and single pay loans for consumers. We are very competitive on used vehicle financing, secured and unsecured consumer loans. Local lenders, local decisions, and flexible terms set us apart from other lenders. Give us a chance to earn your business.

 Certificates of Deposit

For longer term investments with higher yields a South Georgia Banking Company Certificate of Deposit is your answer. Minimum deposit is $1000.00 and maturities range from 90 days to 3 years. Rates vary according to the terms selected, and you choose when interest is paid: monthly, quarterly, semi-annually, annually or at maturity. Certificates of Deposit are subject to a penalty for early withdrawal.

 Additional Services

  • Safe Deposit Boxes -
    Protect your valuables and keep your important documents safe at all times with one of our Safe Deposit Boxes. Sizes range from a 3x5 to a 10x10 with annual fees ranging from $20.00 to $60.00. Rest easy each day knowing the items you store are safe and secure. *Note: Contents are not FDIC insured.
  • 24 Hour Telephone Banking -
    Keep in touch with your money 24 hours a day with South Georgia Banking Company’s Telephone Banking. With the use of your touch tone telephone, you can get information on your checking, savings, Certificate of Deposit, or loan accounts. In addition, you can transfer funds and receive a fax of your transactions. The phone number to access Telephone Banking is (229) 382-5680 or toll free (877) 482-5680.
  • Overdraft Protection -
    Worried about accidental overdrafts, let us set up an automatic overdraft protection transfer from one of your other checking or savings accounts.
  • Wire Transfer
  • Visa Travel Cards
  • Night Depository Service
  • Bank-By-Mail