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.”

What is South Georgia Banking Company Mobile Banking?

Mobile Banking gives you access to your accounts from a downloadable Mobile Banking application or your mobile web browser, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest branch locations.

Mobile Banking is available to all SGBC customers who have an active Online Banking account. Not signed up for SGBC Online Banking?  Just click here to register for Online Banking; then you will be able to access Mobile Banking too! 

How do I download the Mobile Banking application?

For iPhone or iPad:

  • For a direct link to the iTunes Store, just click the following links to go directly to the app:
  • iPhone 
  • iPad


  • Follow these instructions:

a. Navigate to the App Store on your mobile device

b. Search for South Georgia Banking Company

c. Select "Install" to download the application

For Android:

  • For a direct link to Google Play, just click the following link:
  •  Google Play


  • Follow these instructions:

a. Navigate to the Google Play Store

b. Search for South GA Bank

c. Select "Install" to download the application

Is Mobile Banking supported on my tablet?

The same mobile app that runs on your phone will run on your tablet. In some cases, a tablet-optimized Mobile Banking application may be available for your tablet.

What if I don’t have an iPhone or Android -  can I still utilize SGBC Mobile Banking?

Yes! SGBC offers a web-enabled browser that provides the same service as the app.  First, just as with the mobile app, you must have a registered account with SGBC Online Banking.  You can enroll your device using one of two methods:

From your Mobile Device – go to and login with your Online Banking User ID and Password

From a PC - Sign in to Online Banking from your computer and choose the Mobile Banking option. Enroll your mobile device and follow the activation instructions.

To optimize your mobile web experience, ensure your device's browser has cookies enabled. In addition, enable style sheets for the best viewing experience.

Not a SGBC Online Banking customer? Simply click here to sign up. 

Text Banking is another option for receiving a quick report on your SGBC accounts; any text-enable phone can use this service.  Learn more by clicking here.

What are Mobile Alerts and how do I sign up for them?
Mobile Alerts can notify you via text message of certain changes to your account such as deposits made, low balance & transfers.  You must first log in to your Online Banking account and enroll your phone in SMS / Text Banking.  Next, go to your Online Banking Alert Page where you can specify what type of changes to your account you want to be notified about. This service works for all text-enabled phones. 

Mobile Banking FAQ
Have more questions? Download our Mobile Banking FAQ.

Terms & Conditions. 
Learn more about SGBC Mobile Banking Terms and Conditions here.