Fluvial geomorphology and stratigraphy often reflect past environmental and climate conditions. This study examines the response of Bull Creek, a small ephemeral creek in the Oklahoma panhandle, to environmental conditions through the late Pleistocene and Holocene. Fluvial terraces were mapped and their stratigraphy and sedimentology documented throughout the course of the main valley. Based on their elevations, terraces were broadly grouped into a late-Pleistocene fill terrace (T3) and two Holocene fill-cut terrace sets (T2 and T1). Terrace systems are marked by similar stratigraphies recording the general environmental conditions of the time. Sedimentary sequences preserved in terrace fills record the transition from a perennial fluvial system during the late glacial period and the Younger Dryas to a semiarid environment dominated by loess accumulation and punctuated by flood events during the middle to late Holocene. The highest rates of aeolian accumulation within the valley occurred during the early to middle Holocene. Our data provide significant new information regarding the late-Pleistocene and Holocene environmental history for this region, located between the well-studied Southern and Central High Plains of North America.