At a glance
From its website, read 3 Nov 2026Urban Beginnings Choice FCU is a credit union based in Fort Wayne, Indiana. Its website describes auto loans and personal loans. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.cdfifund.gov |
| Office (official list) | 1830 Wayne Trace Suite 204, Fort Wayne, IN 46803 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 3 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Used Car Loan Rates Base Rate 7.0% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Personal Loan Rates - Secured Base Rate 10.0% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Personal Loan Rates - Unsecured Base Rate 11.0% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | 3593343 |
| Address | 1830 Wayne Trace Suite 204, Fort Wayne, IN 46803 Directions (Google Maps) |
| Website | www.cdfifund.gov |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 3 Nov 2026Read from 3 pages of the lender's website on 3 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts or explicit state-level service boundary were stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Let us help you with you auto loan. | source |
| Personal / consumer loans | — | Personal Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
economically underserved communities
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. APPLY NOW
source
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$625,000 in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as URBAN BEGINNINGS CHOICE (charter 24781). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 299 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
Indiana (1 office)
- Allen County (1): 1830 Wayne Trce, Fort Wayne 46803 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Urban Beginnings Choice FCU (NCUA charter 24781, filed as “URBAN BEGINNINGS CHOICE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $717,007, 95 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.7% from $653,532 on 30 Jun 2025 |
| Members | 299 (as of 30 Jun 2026); 292 (as of 30 Jun 2025) |
| Loans per member | $2,398 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $34,351 | 4.8% |
| Used vehicle loans | $199,279 | 27.8% |
| Other unsecured loans | $143,287 | 20.0% |
| Leases and other secured loans | $340,084 | 47.4% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.8 million | Larger than 20% of the 5 other certified credit unions in Indiana (median $97.6 million). |
| Loans as a share of assets | 39% | Median of the same 5 credit unions: 65%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $653,532 → $717,007 (+10%) | Median change of 5 other certified credit unions in Indiana: +9%. Rank by loans held among these 6: 5 → 5. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Indiana | 5 | larger than 20% |
| Loans held then vs now | certified credit unions in Indiana reporting both dates | 5 | rank 5 → 5 of 6 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Fort Wayne and Indiana
- CANI’s Center for Community and Economic Development, Inc. dba Brightpoint Development FundLoan fund · Fort Wayne, INSmall-dollar / emergency loans, Microloans, Small-business loansVerified
- Afena Federal Credit UnionCredit union · Marion, INAuto / vehicle loans, Small-dollar / emergency loans, Home repair / improvement loans, Personal / consumer loansVerified
- Build Fund, LLCLoan fund · Indianapolis, INSmall-business loansVerified
- CDFI Friendly BloomingtonLoan fund · Bloomington, INVerified
- Edge Fund, LLCLoan fund · Indianapolis, INAffordable housing development loans, Home mortgagesVerified
- Flagship Enterprise Capital, Inc.Loan fund · Anderson, INMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
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