The Urban Beginnings Choice Federal Credit Union is a personal loan from Urban Beginnings Choice Federal Credit Union. The ongoing APR is Base rate 11.0%; credit score 850-781 / 780-661 / 660-601: 10.5% / 11.0% / 11.5% (membership N/A); 10.3% / 10.8% / 11.3% (1 year/$500+ Sav membership discount).