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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Term Loan

A term loan can inject some much-needed capital into your business — giving you the cash you need to execute big plans and take your business to the next level.

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A term loan is an excellent source of funding for purchasing equipment, vehicles, and other fixed assets — or for obtaining permanent working capital.
  • Competitive interest rates
  • Flexible repayment terms

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

  • Minimum opening deposit of $100
  • $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