Front Royal Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

frontroyalfcu.org

540-635-7133

230 N Royal Ave
Front Royal, VA 22630

Front Royal Federal Credit Union is headquartered in Front Royal and is the 50^th largest credit union in the state of Virginia. It is also the 1,996^th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 16 employees and 5,545 members at 2 locations. Front Royal Federal Credit Union has an A health rating.

Field of Membership Restrictions

To join Front Royal Federal Credit Union you must reside, worship, attend school, or work in Warren County.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Front Royal Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	6084
Year Chartered	1949
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	1.74%
Return on Equity - YTD	11.12%
Annual Interest Income	$838K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$83.6MM$83.5MM
Loans	Q1 2025vs Q1 2024	$20.7MM$20.9MM
Deposits	Q1 2025vs Q1 2024	$70.4MM$71.4MM
Equity Capital	Q1 2025vs Q1 2024	$12.9MM$11.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$133K$108K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$59K$15K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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CD
IRA

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Front Royal Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$0	-	Share Account
0.05%	$0	-	Custodial Account
0.05%	$0	-	Vacation Club Account
0.05%	$0	-	Christmas Club Account

Front Royal Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%	$10k	-	5 Year Share Certificate
1.00%	$10k	-	4 Year Share Certificate
0.95%	$10k	-	3 Year Share Certificate
0.85%	$10k	-	2 Year Share Certificate
0.75%	$10k	-	1 Year Share Certificate

Front Royal Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%	$0	-	5 Year IRA Certificate
1.00%	$0	-	4 Year IRA Certificate
0.95%	$0	-	3 Year IRA Certificate
0.85%	$0	-	2 Year IRA Certificate
0.75%	$0	-	1 Year IRA Certificate
0.05%	$0	-	IRA Account

Locations

Front Royal Federal Credit Union Locations
Branch Office	230 N Royal Ave	Front Royal, VA 22630-2616
Branch Office	113 South St	Front Royal, VA 22630-2221

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