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 Urban Beginnings Choice Federal Credit Union Rates & Review June 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: June 18, 2026
Urban Beginnings Choice Federal Credit Union's Personal Loan Rates are at 10.30%. MonitorBankRates evaluates the financial stability of Urban Beginnings Choice Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.78%. Rates were last updated on 06/18/2026. Urban Beginnings Choice Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Urban Beginnings Choice Federal Credit Union? Share your experience about Urban Beginnings Choice Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Urban Beginnings Choice Federal Credit Union. Urban Beginnings Choice Federal Credit Union
Urban Beginnings Choice FCU 1830 Wayne Trce
https://www.ubc-fcu.org/ Fort Wayne, IN 46803 2657 
Urban Beginnings Choice Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Urban Beginnings Choice Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Urban Beginnings Choice Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Urban Beginnings Choice Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Urban Beginnings Choice Federal Credit Union
Website
https://www.ubc-fcu.org/
Address
1830 Wayne Trce,
Fort Wayne, IN 46803 2657
Phone
260-456-1802
Fax
260-456-8880
President
Rudolph Lewis
CEO
Diane Starks
Full-Time Employees
1
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.78%
Return on Assets (ROA)
1.4249%
Return on Equity (ROE)
17.4151%
Non-Performing Loans Ratio (NPL)
2.38%
Total Assets
1,786,521
Total Amount of Shares and Deposits
1,425,818
Total Shares and Deposits < 1 Year
188,448
Total Shares and Deposits 1 3 Years
238,370
Total Shares and Deposits > 3 Years
999,000
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,425,818
Total Interest Expense (Sum of items 6 8)
32,740
Number of Accounts for Regular Shares
294
Non Member Deposits
4
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,063,200
Total Liabilities
1,640,349
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Frequently Asked Questions About Urban Beginnings Choice Federal Credit UnionHow many branches does Urban Beginnings Choice Federal Credit Union operate?Urban Beginnings Choice Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Urban Beginnings Choice Federal Credit Union?Yes, to access services at Urban Beginnings Choice Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Urban Beginnings Choice Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Urban Beginnings Choice Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Urban Beginnings Choice Federal Credit Union offer online and mobile banking?Most modern institutions like Urban Beginnings Choice Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ubc-fcu.org/. Compare to Other Credit Unions
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