The Southern Heritage Bank All Credit Levels is a cdfi lender from Southern Heritage Bank. Rewards: Lagniappe Rewards lag•niappe (n): a little something extra; a bonus (in Louisiana). Loan terms: We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages.. Southern Heritage Bank is an independently owned community bank located in Jonesville, Louisiana, providing personal and business banking services to residents in Rapides, Catahoula, and LaSalle parishes. The bank offers a variety of financial products, including commercial checking accounts, savings accounts, personal loans, and mortgages. Services include: business loans, personal loans, mortgages. US Treasury certified CDFI Bank/Thrift in Jonesville, LA.