Letter from the President
Checking and Savings
Personal Services
Business Services
Internet Banking
24 Hour Phone Banking
Real Estate
Tag Agency
Certificates of Deposit
Privacy Policy

At Citizens State Bank we want to help you save for your retirement.

Types: Regular, ROTH, & SEPS, Educational, and MSA.

  • Interest bearing.
  • 6, 12 or 18 month Fixed Rate period.
  • Interest rate will not change for the term of the account.
  • Minimum opening balance $100.00.
  • Interest compounded semi-annually and credited to the account semi-annually.
  • Automatically renew.
  • Subject to penalty for early withdrawal.
  • Daily balance to calculate interest.
  • Interest begins to accrue on the business day you deposit non-cash items (for example checks).
  • There will be a $50.00 charge to close or transfer an IRA.
  • APY assumes interest stays on deposit until maturity.
  • Call for Current Rates.

Any withdrawals shall be subject to applicable tax and other laws and regulations including possible early withdrawal penalties and withholding requirements.


Contact Information

In Morrison
Shannon Condit - 580-724-3511 / SCondit@citizensstatebank.net

In Stillwater
Ashley Collier - 405-533-3737 / ACollier@CitizensStateBank.net