Loans

First Citizens offers many lending plans and services tailored to meet your personal or business needs. Our financial lending specialists are interested in you and are available to discuss your loan requests with you individually. Below is an overview of the lending services available to you:

• Installment Loans
• Real Estate Loans
• Home Equity Loans
• Student Loans
• Credit Cards
• Overdraft Protection
• 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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Student Loans
First Citizens offers a variety of Student Loan programs including Stafford Student Loans for undergraduate or graduate students. Also, the Plus Student Loan program is available for parents of undergraduate students not qualifying for the Stafford program.

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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.

Pay your Federal and State* personal income taxes the easy, convenient, and secure way with your Visa® card.
Just contact one of our approved service providers, and whether you file by mail or on the Internet, you have the peace of mind that your tax payment is made on time.

Contact one of the service providers below and pay with your Visa® card today:

• Official Payments Corp.: (1-800-2PAY-TAX) for Federal and State tax payments
• PAY1040: (1-888-PAY1040) for Federal tax payments only

For more information regarding your tax obligation, call the IRS at 1-800-829-1040 or visit www.irs.gov.

* Available in select states through Official Payments Corporation.

Frequently Asked Questions

Which Taxes Can I Pay with Visa®?
Federal Income Taxes - Form 1040 Balance Due Payments, Form 1040ES Estimated Payments, Form 4868 Extension Payments, Balance Due Notice and Installment Payments.

State Income Taxes - Balance Due Personal Income Taxes, Estimated Taxes, Extension Payments and Delinquent Taxes. This service is available to residents in 21 states and the District of Columbia through Official Payments Corporation.

How Do I Pay My Personal Income Taxes with Visa®?
Step #1: Prepare your Federal and/or State personal tax income tax return on your own or through an authorized tax preparer.

Step #2: File your return electronically through the IRS e-file system or by mail.

Step #3: Make your tax payment with your Visa® card with one of the following service providers:

• Official Payments Corporation
• PAY1040: Call 1-888-PAY1040

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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. (Not available with Cash Reserve and limited by Federal Regulation to six authorized transfers per month.)

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