Urban Beginnings Choice Federal Credit Union Auto Loan Rates

How Urban Beginnings Choice Federal Credit Union’s auto loan rates compare

New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.

Lowest auto loan rates

Every rate

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.

Base Rate 6.0%. Vehicle Age 2023 & Newer; credit score tiers 850-781 (5.5%), 780-661 (6.0%), 660-601 (6.5%).

Terms	APR	Conditions
—	5.50%–6.50%	Vehicle model year 2023 & newer; credit scores 850-781 (5.5%), 780-661 (6.0%), 660-601 (6.5%)

Sources (1)

Base Rate 7.0%. Rates depend on credit score (850-781, 780-661, 660-601) and vehicle age.

Terms	APR	Conditions
—	6.50%–7.50%	Vehicle model year 2019 & newer; credit scores 850-781 (6.5%), 780-661 (7.0%), 660-601 (7.5%)
—	7.00%–8.00%	Vehicle model years 2016 - 2018; credit scores 850-781 (7.0%), 780-661 (7.5%), 660-601 (8.0%)
—	7.50%–8.50%	Vehicle model years 2015 - 2012; credit scores 850-781 (7.5%), 780-661 (8.0%), 660-601 (8.5%)

Sources (1)

68

Auto loan score

Higher than 20% of U.S. banks and credit unions

By vehicle

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

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