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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
FRONT ROYAL Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 23, 2026
FRONT ROYAL's 5 Years CD rates are at 1.15%, 4 Years CD rates are at 1.00%, 3 Years CD rates are at 0.95%, 2 Years CD rates are at 0.85%, 1 Year CD rates are at 0.75%. FRONT ROYAL's Personal Loan Rates are at 5.99%. 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 03/23/2026. 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. 
FRONT ROYAL CD Rates
FRONT ROYAL Savings Rates
FRONT ROYAL Home Equity & HELOC
FRONT ROYAL Credit Card Rates
FRONT ROYAL Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
3
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
Frequently Asked Questions About FRONT ROYALIs FRONT ROYAL a safe place to deposit money?Yes, FRONT ROYAL is considered a safe financial institution. With a Texas Ratio of 0.39852147036705%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current FRONT ROYAL Rates
Retrieved from our database of financial products. Rates subject to change.
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