The First State Bank is a personal credit card from First State Bank. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is variable APR based on the Prime Rate, between 18.99% and 28.99% APR after a 0% introductory APR on purchases and balance transfers introductory rate for 12 months. Rewards: Unlimited 1.5% cash back. This product reports activity to your personal credit report.