The Urban Beginnings Choice Federal Credit Union is a auto loan from Urban Beginnings Choice Federal Credit Union. The ongoing APR is Base rate 7.0%; by credit score 850-781 / 780-661 / 660-601: 2019 & newer 6.5% / 7.0% / 7.5%; 2016 - 2018 7.0% / 7.5% / 8.0%; 2015 - 2012 7.5% / 8.0% / 8.5%.