The The Apple Creek Banking Company is a personal credit card from The Apple Creek Banking Company. Application typically pulls a hard report from Experian. The annual fee is $0 annual fee.. The ongoing APR is 14.74% to 24.74% variable APR after a 0% Intro APR for 12 months on purchases and balance transfers introductory rate for 12 months. Rewards: Earn one point per dollar on all net purchases.. This product reports activity to your personal credit report.