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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Individual Retirement Accounts (IRAs)

An Individual Retirement Account (IRA) is a special savings plan that lets you save money for retirement. Fund your retirement. Pay for college. Get tax advantages. We have several types of IRAs to meet your savings goals.

Traditional IRA

Funds grow tax-deferred and may be tax deductible

Roth IRA

Money contributed is not tax deductible, but any funds you withdraw may not be taxed

Educational IRA

Tax advantaged plan to save for higher education costs

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

– First Citizens National Bank customer