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FRONT ROYAL

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FRONT ROYAL Rates & Review May 2026

Q: How many branches does FRONT ROYAL operate?

FRONT ROYAL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join FRONT ROYAL?

Yes, to access services at FRONT ROYAL, 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.

Q: Is there a first-time homebuyer program?

Currently, FRONT ROYAL 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FRONT ROYAL 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: May 12, 2026

You can compare FRONT ROYAL rates to other rates in our database, including 12-month share certificate rates currently at 3.50%, 6-month share certificate rates at 3.40% and 3-month share certificate rates at 0.50%. Savings rates are at 3.60% and money market rates are at 3.35%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to FRONT ROYAL rates. MonitorBankRates evaluates the financial stability of FRONT ROYAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.40%. Rates were last updated on 05/12/2026.

FRONT ROYAL 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 FRONT ROYAL? Share your experience about FRONT ROYAL by leaving a review below, or read customer reviews before you decide to use FRONT ROYAL.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.40%

Excellent Lower than avg

FRONT ROYAL
Front Royal FCU

230 N Royal Ave
Front Royal, VA 22630 2616

http://www.frontroyalfcu.org

FRONT ROYAL Savings Rates

Product	Rate	APY
Christmas Club	0.05%	0.05%
Details Anticipated Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Vacation Club	0.05%	0.05%
Details Anticipated Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

FRONT ROYAL Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	4.75%	5 Year Fixed
Details Financing 80% of appraisal minus balance on first trust Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Home Equity Loans	-	-	5.75%	10 Yr Fixed
Details Financing 80% of appraisal minus balance on first trust Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Home Equity Loans	-	-	6.00%	15 Yr Fixed
Details Financing 80% of appraisal minus balance on first trust Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

FRONT ROYAL Credit Card Rates

Product	Rate	APR
MasterCard Balance Transfers	-	9.99%
Details No fee Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
MasterCard Credit Card	-	9.99%
Details up to $25,000 limit Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for FRONT ROYAL 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 FRONT ROYAL 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 FRONT ROYAL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FRONT ROYAL

Website http://www.frontroyalfcu.org

Address 230 N Royal Ave, Front Royal, VA 22630 2616

Phone 540-635-7133

Fax 540-635-6036

President Michael Utley

CEO Kim Darr

Full-Time Employees 15

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.40%

Return on Assets (ROA)

1.3988%

Return on Equity (ROE)

8.5011%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

83,179,253

Total Amount of Shares and Deposits

69,209,540

Total Shares and Deposits < 1 Year

66,516,157

Total Shares and Deposits 1 3 Years

41,360

Total Shares and Deposits > 3 Years

2,652,024

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,923,436

Total Uninsured Shares and Deposits > $250K (F+J)

1,923,436

Total Insured Shares and Deposits > $250K (item 17 less item K)

67,286,104

Total Interest Expense (Sum of items 6 8)

19,361

Share Certificates

Number of Accounts for Share Drafts

3,469

IRA KEOGH Accounts

134

Number of Accounts for Regular Shares

5,497

All other shares

149

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,914,414

Total Liabilities

69,497,141

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

FRONT ROYAL earned the Exceptional Health badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About FRONT ROYAL

How many branches does FRONT ROYAL operate?

FRONT ROYAL 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 FRONT ROYAL?

Yes, to access services at FRONT ROYAL, 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, FRONT ROYAL 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, FRONT ROYAL provides members with tools to manage their accounts and build a solid financial history.

Does FRONT ROYAL offer online and mobile banking?

Most modern institutions like FRONT ROYAL 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: http://www.frontroyalfcu.org.