Online Banking

CD Rates

Minimum Opening Deposit	1,000.00
Minimum Balance to obtain APY	1,000.00
Term	12 months
Interest Rate	1.25%
Annual Percentage Yield	1.26%
Annual Percentage Yield is effective as of September 1, 2010.
Rates are subject to change. A penalty may be imposed for early withdrawal.

We've heard talk from business owners that it's easier to sell ice to an Eskimo than get a loan in today's economy. Our long-standing approach of partnering with businesses to make smart loans based on solid information like cash flow and debt ratio still stands. This philosophy keeps businesses growing - in the short and long term. Stop by today and talk with one of our loan officers to learn more..

Mortgages

Our mortgage specialists navigate customers through the loan process step-by-step. If you are considering purchasing a home or refinancing your existing home, your first stop should be to pick up one of our free prequalification kits. The tools in the kit help you understand the steps of mortgage loans. Mortgage specialists will work with you to find what mortgage payment will fit best in your personal budget and what type of loan best suites you.

Get started today!

Click here to access an editable PDF mortgage application that you can fill out on your screen, print, and bring to the bank.

Click here if you prefer a printable version of the application that allows you to handwrite your information and bring it to the bank.

This application is in PDF format. You will need to have Adobe Acrobat Reader installed on your computer to open it. If you do not have Adobe Acrobat Reader, you can download it now for free.

South Georgia Banking Company

NOTICE: South Georgia Banking Company is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.

South Georgia Banking Company is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.