Front Royal Federal Credit Union


Overview / Commentary
540-635-7133
230 N Royal Ave
Front Royal, VA 22630

Front Royal Federal Credit Union is headquartered in Front Royal and is the 50th largest credit union in the state of Virginia. It is also the 1,996th 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

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Health
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 Chartered1949
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD1.74%
Return on Equity - YTD11.12%
Annual Interest Income$838K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$83.6MM$83.5MM
LoansQ1 2025vs Q1 2024$20.7MM$20.9MM
DepositsQ1 2025vs Q1 2024$70.4MM$71.4MM
Equity CapitalQ1 2025vs Q1 2024$12.9MM$11.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$133K$108K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$59K$15K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Front Royal Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office230 N Royal AveFront Royal, VA 22630-2616
Branch Office113 South StFront Royal, VA 22630-2221

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