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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK


There are few guarantees in life, but FDIC insurance is one of them. CDARS is a safe bet for your large deposits.

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With CDARS, you can access FDIC protection on multi-million dollar CD investments through First Citizens National Bank. Our bank is a member of the Certificate of Deposit Account Registry Service Network (CDARS). When you invest a large amount with us, we can place your funds into CDs issued by other banks in the same network — in increments of less than $250,000 — so that both principal and interest are eligible for complete FDIC protection. As a result, you can receive coverage from many banks while working with just one.
  • Access multi-million dollar FDIC insurance coverage on your deposit
  • Earn one interest rate and receive one regular statement and one year-end tax form
  • Minimum opening deposit $100
  • Low monthly fee of $3
  • Interest earned on daily collected balances
  • Certain federal guidelines must be met to qualify for this account. Federal tax benefits are determined by IRS rules. Check with your tax advisor for state rules regarding HSAs.
  • Annual contribution limits apply

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer