Loans

First Citizens has developed a Business Services Division that does much more than lend money. Our bank offers countless business loan and depository programs to assist you with the purchase or expansion of your business. 

• Installment Loans
• Real Estate Loans
• Home Equity Loans
• Credit Cards
• Overdraft Protection
• Other Loan Services
• Financial Tools

Please contact us for more information.

Installment Loans
Fixed or variable loan rates, flexible terms! This is the plan for you to purchase a car, boat, motor home, garden tractor, recreational vehicle or if you just need some personal cash. We can tailor a monthly payment which will be just right for you. Fast answers, within one hour.

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Real Estate Loans
Excellent rates, rapid closings, informed market leaders! Fixed or adjustable rate loans for the purchase or refinance of real estate. Real estate is a long-term, quality investment – you owe it to yourself to check with us before you make a decision on which lender to choose.

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Home Equity Loans
A loan for whatever financial need you have – secured by the equity of your home. This program provides flexibility in payments at market rates and the interest rate may be tax deductible (consult your tax advisor).

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Credit Cards - Credit Card Programs
First Citizens offers several Credit Card programs to meet your credit needs. Classic VISA® and Gold VISA® cards are offered to individuals with competitive interest rates and no annual fee. The Gold VISA® card also includes additional benefits such as higher credit lines, Warranty Manager Service, Travel and Emergency Service and Auto Rental Insurance. A Business VISA® card is available for business customers. All First Citizens VISA® card programs offer hometown service, combined with the convenience and safety of worldwide acceptance.

Your VISA® card is now protected by Verified by VISA® — it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction. Your card will then have password protection whenever you shop online at participating stores listed at www.visa.com/shopverified.

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Overdraft Protection

• Cash Reserve – This line of credit program protects your checking account from overdrafts and eliminates the overdraft fee by an automatic cash advance transfer ($100 increments only – up to the credit line) from your line of credit to your First Citizens checking account. Interest is calculated daily on the unpaid Cash Reserve balance. Monthly payments are the greater of 5% of the credit line or $10.  Annual Percentage Rate (APR) is 18%.  Requires credit application and approval.
  
• Overdraft Protection Plan – Link your Statement Savings, Money Market or another checking account to your primary checking account for similar overdraft protection. Overdrafts are covered by authorizing the Bank to transfer the amount of your overdraft plus a $5 charge per business day that a draw is made from your linked account. (Limited by Federal Regulation to six authorized transfers per month.)

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Other Loan Services
The First Citizens Business Lending Services also include:

• Accounts Receivable Financing
• Agricultural Lending
• Cash Management Services
• Commercial Real Estate Loans
• Equipment Financing
• Farm Service Agency
• Financial Statement Analysis
• Inventory Financing
• Letters of Credit
• Lines of Credit
• Linked-Deposit Program
• Small Business Administration Loans

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