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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Rural Development Loans

A great program to help lower income individuals and families in rural areas finance a home.

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A rural development loan is a government-guaranteed loan designed to help lower income people in rural areas find opportunities for affordable housing.
  • Low monthly payments
  • Lower interest rates for 30-year terms
  • Subject to the availability of state funds
  • May be used for primary residence only
  • $5 monthly fee if average balance is below $7,500

What our
customers say

I like that First Citizens is locally owned. It has that small-town atmosphere about it.

– First Citizens National Bank customer