West Virginia here so this hits close to home. Creek sightings are seriously underreported compared to woodland encounters and I think that's a massive mistake - these things follow waterways. Always have.
Few questions before jumping to conclusions:
What time roughly, and was there any moon cover?, Did it submerge or move along the bank?, Any smell? That sulphur/musky combo is a dead giveaway around here, Approximate size compared to something familiar?
I run a Reconyx HP2X along my lower creek boundary and caught something interesting back in spring - massive displacement wake, reeds absolutely flattened on the far bank. Never got a clear image but the scale was wrong for anything native.
The creek corridor thing is massive for me. I've been mapping ley line intersections across the county for years and three of my best trail cam spots sit right on water crossings. Not a coincidence imo.
Don't dismiss the beaver comparison too quickly either - people underestimate how big a large male can look at night on water, especially with adrenaline involved. That said, if your gut says different, your gut is usually onto something.
Get back out there with a good torch and check the bank mud for prints while it's fresh. Plaster cast anything you find - I use Hydrocal over regular plaster, holds detail much better.
What creek system are you on roughly? Wondering if this connects to other reports in the area.