|
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 Credit Union Rates & Review November 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 and Verified: October 30, 2026
Front Royal Credit Union's CD 5 Years rates are at 1.15%, CD 4 Years rates are at 1.00%, CD 3 Years rates are at 0.95%, CD 2 Years rates are at 0.85%, CD 1 Year rates are at 0.75%. Front Royal Credit Union's Personal Loan Rates are as low as 10.99%. Front Royal Credit Union's Credit Card Rates are at 9.99%. Front Royal Credit Union's CD rates are 67% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Front Royal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.20%. Rates last updated and verified on 10/30/2026. Front Royal Credit Union 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 Credit Union? Share your experience about Front Royal Credit Union by leaving a review below, or read customer reviews before you decide to use Front Royal Credit Union. Front Royal Credit Union
Front Royal FCU 230 N Royal Ave
http://www.frontroyalfcu.org Front Royal, VA 22630-2616  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Front Royal Credit Union CD Rates
Front Royal Credit Union Savings Rates
Front Royal Credit Union Checking Rates
Front Royal Credit Union Home Equity & HELOC
Front Royal Credit Union Auto Loan Rates
Front Royal Credit Union RV, Boat and Powersport Loan Rates
Front Royal Credit Union Credit Card Rates
Front Royal Credit Union Personal Loan Rates
Front Royal Credit Union Other Rates
Financial Health HistoryFront Royal Credit Union’s Texas Ratio stayed near 0.23% in Q3 2023 to 0.20% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Front Royal Credit Union 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 Credit Union 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Front Royal Credit Union
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
13
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
0.20%
Return on Assets (ROA)
0.8926%
Return on Equity (ROE)
5.2790%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
87,432,123
Total Amount of Shares and Deposits
72,353,504
Total Shares and Deposits < 1 Year
69,649,759
Total Shares and Deposits 1 3 Years
112,555
Total Shares and Deposits > 3 Years
2,591,191
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,291,377
Total Uninsured Shares and Deposits > $250K (F+J)
2,291,377
Total Insured Shares and Deposits > $250K (item 17 less item K)
70,062,127
Total Interest Expense (Sum of items 6 8)
12,759
Share Certificates
3
Number of Accounts for Share Drafts
3,444
IRA KEOGH Accounts
125
Number of Accounts for Regular Shares
5,400
All other shares
150
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,393,115
Total Liabilities
72,649,224
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Front Royal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Front Royal Credit Union
Frequently Asked Questions About Front Royal Credit UnionDoes Front Royal Credit Union offer CDs?Yes. Front Royal Credit Union current CD rates include its CD 5 Years at 1.154% APY, its CD 4 Years at 1.003% APY and its CD 3 Years at 0.953% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Front Royal Credit Union NCUA insured?Yes. Front Royal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Front Royal Credit Union?The highest Front Royal Credit Union CD rate is its IRA CD 5 Years at 1.154% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Front Royal Credit Union offer?Front Royal Credit Union CD rates are 0.752% APY for a 12 month CD, 0.852% APY for a 2 year CD, 0.953% APY for a 3 year CD, 1.003% APY for a 4 year CD and 1.154% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Front Royal Credit Union for its full lineup. What is the lowest auto loan rate at Front Royal Credit Union?The lowest Front Royal Credit Union auto loan rate is its Used Vehicles 2025 and Older Loan at 3.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Front Royal Credit Union?The lowest Front Royal Credit Union personal loan rate is its Unsecured Loans at 10.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Front Royal Credit Union?The lowest Front Royal Credit Union credit card APR is its MasterCard Credit Card at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Front Royal Credit Union operate?Front Royal Credit Union 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 Credit Union?Yes, to access services at Front Royal Credit Union, 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 Credit Union 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Front Royal Credit Union offer online and mobile banking?Most modern institutions like Front Royal Credit Union 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Front Royal Credit Union rates compare?Front Royal Credit Union's CD rates are 67% lower than the MonitorBankRates national average, and it has an A+ health rating. Front Royal Credit Union's top rates are its IRA CD 5 Years at 1.154% APY, its Unsecured Loans at 10.99% APR and its MasterCard Credit Card at 9.99% APR, verified by MonitorBankRates on October 30, 2026. Current Front Royal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Teachers Federal Credit Union
Great Erie Federal Credit Union
Marshall County Federal Credit Union
Tru Federal Credit Union
Ethicon Suture Credit Union
Covenant Savings Federal Credit Union
Extra Credit Union
Valley Oak Credit Union
Tyler City Employees Credit Union
Park Side Financial Credit Union
Georgia Heritage Federal Credit Union
eCO Credit Union
Citizens Choice Federal Credit Union
Medford Municipal Employees Federal Credit Union
MCKESSON and HEALTHCARE PROVIDERS Federal Credit Union
Bank Fund Staff Federal Credit Union
Silverado Credit Union
Emerald Credit Association Federal Credit Union
ANECA Federal Credit Union
Pompano Beach City Employee Credit Union
OneNebraska Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
