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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

VA Loans

We appreciate our military and are proud to help service members and their families with special home financing through the U.S. Department of Veterans Affairs.

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Insured by the U.S. Department of Veterans Affairs, VA loans are offered to qualified veterans or active-duty military service members and their spouses.
  • Lower closing costs
  • Low interest rates
  • Available to qualified veterans, active-duty military and spouses or widows/widowers
  • Down payment may not be required
  • $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