The Deerwood Bank is a personal credit card from Deerwood Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.99% to 28.24% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% introductory APR for purchases for the first 6 billing cycles; 0% introductory APR on balance transfers for the first 6 billing cycles for balances transferred within 186 days of account opening introductory rate for 6 months. Signup bonus: Get 2,500 bonus points (worth up to $25) after your first purchase. Rewards: Earn 1.5 points for every $1 you spend on eligible purchases. This product reports activity to your personal credit report.