It is one thing to talk about how a coyote gets around when traveling normally and another to talk about what he might do when you call him.
Everyone knows a turkey can get over a fence or a creek but often when calling them,they may hang up because of these very same obstacles.It depends on his mood at the time.A good caller will probably try to get across that obstacle before calling,just to stack the odds more in his favor.
I've been a predator trapper for a long time and I know that a coyote may detect a lure from hundreds of yards away.A successful trapper puts sets as close to the animal's line of travel as possible,with an easy approach.Not that a coyote can't detect it further away and not that he can't negotiate rough terrain any time he wants to but coyotes aren't about committing suicide.When they smell or hear a free meal,that's when the caution flags go up.If they are unsure,they may not want to jump through too many hoops to get the goodies.Keep in mind also you are dealing with an animal that has no trouble getting a meal and may have spent the entire night doing just that,has a full belly and is late for a nap.He may still be curious enough to want to come in but may not want to run an obstacle course to do it.
Now none of this may apply to your situation as you probably can't do anything about your creek obstacle and in that case,you have nothing to lose,just call.Just don't expect to see coyotes swimming the creek like hoards of lemmings.I think you may be surprised at how many coyotes may be on your side of the creek.
If there is a good crossing log over that creek,they will go out of their way to cross there.If there is no crossing log and you can place one at a strategic place,they will come but it may take some time before they get used to it.
When calling smart animals in general,reducing obstacles between you and them will increase your odds.One big advantage to any land barrier,is,if you can use it at your back so that they can't come in downwind,as most canines will try to do.