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Urban Beginnings Choice Federal Credit Union

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Urban Beginnings Choice Federal Credit Union Rates & Review August 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Urban Beginnings Choice Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Urban Beginnings Choice Federal Credit Union, and you can see how they compare in the Urban Beginnings Choice Federal Credit Union rate tables below. 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%. Database rates last updated and verified on 08/29/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.78%

Excellent Higher than avg

Urban Beginnings Choice Federal Credit Union
Urban Beginnings Choice FCU

1830 Wayne Trce
Fort Wayne, IN 46803 2657

https://www.ubc-fcu.org/

Current Rate Availability

We're not currently displaying rates for Urban Beginnings Choice Federal Credit Union, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

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 Union

How 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/.