Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK
Retirement planning is important for both individuals and businesses. At First Citizens, we can help business owners establish a retirement plan that will increase employee retention and loyalty. We can also set up individual retirement plans for people who are self-employed or don’t have access to an employer-based plan.
Employer stock contributed to a retirement plan
Simple, easy-to-maintain plan that shares a company’s profits
Tax-deferred savings for employees
A less expensive 401(k) option for businesses
Defined retirement benefits for employees
Easy retirement plan that offers a savings match to employees
Allows employers to contribute to employee IRAs
Tax-deferred retirement savings
Tax-free withdrawals from retirement plan
Move an existing IRA into a new account without penalties
What our customers say
You’re a person here, not a number. The people here know who you are when you walk in the door and treat you like family.
– First Citizens National Bank customer