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 17.74% - 27.74% variable APR after a 0% Intro APR for 12 months on purchases and balance transfers introductory rate for 12 months. Cash back: Earn 1% cash back on all net purchases, every day.. This product reports activity to your personal credit report.