Home Locations Customer Support




Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Personal Loans

You have big plans — a boat, a dream vacation, or maybe just paying off debt. A personal loan can help you get there, wherever that may be.

Contact Us
A personal loan is for people who want to make a large purchase or consolidate debt.
  • Flexible payment options
  • Secured and unsecured loans available
  • No pre-payment penalty
  • Interest rates and loan terms may vary depending on applicant's credit history

All loans subject to credit approval. Insurance may be required.

  • $250 minimum daily balance required to avoid a quarterly charge of $3
  • If you exceed six withdrawals or transfers, there will be a $2.50 service charge for each additional withdrawal or transfer paid

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer