The First State Bank & Trust Co. is a personal credit card from First State Bank & Trust Co.. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is varies with the market based on the Prime Rate and based on your creditworthiness after a 0% intro APR for 12 months on purchases and balance transfers introductory rate for 12 months. This product reports activity to your personal credit report.