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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

USDA Rural Development Loans

We believe in creating jobs and expanding opportunities in rural communities — and that is the primary purpose of this government-guaranteed loan.

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USDA Rural Development Loans can be used to buy equipment, land, buildings or working capital. Applicants must demonstrate their ability to repay the loan and focus on creating new jobs or expanded employment opportunities in their community.
  • Low interest rates
  • Fixed and variable rate financing
  • Longer terms and lower down payments
  • Terms up to 30 years fully amortized
  • Small businesses must qualify for a USDA loan. The qualification criteria include size requirements, financial standing and being in a for-profit industry.
  • $5 monthly fee if average balance is below $7,500
  • $4.99 monthly fee for online banking
  • $9.99 monthly fee for online banking with bill pay
  • Small fee of $.10 per item for each debit over 100
  • Balance requirement fee and per item fee for debits paid are waived for non-profit organizations

What our
customers say

A personal relationship with my bank is so important. I can depend on First Citizens to get things done.

– First Citizens National Bank customer