Credit union · NCUA insured
Front Royal FCU
A $86.5M credit union headquartered in Front Royal, VA, with 5,412 members and 2 branches in Virginia. Best rates: CDs 1.15% and savings 0.05% APY.
Front Royal FCU Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#38 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Front Royal FCU
Chartered in 1949, Front Royal Federal Credit Union began with a mission of people helping people save regularly and borrow at low interest rates.
The credit union is located in Front Royal, Virginia.
- Headquarters
- 230 N Royal Ave, Front Royal, VA 22630-2616
- NCUA charter
- 6084
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Lifetime membership is available to anyone who lives, works, worships, or attends school in Warren County, Virginia.
Employers and groups
- Employees of companies located in Warren County are eligible for membership through company membership.
Family and household
- Immediate family members of members are eligible to join.
Cost to join
- Opening an account requires depositing $5.00 into a share account.
Branches
2 branches in Virginia
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Virginia
2 branches
- Front Royal FCU230 N Royal Ave, Front Royal, VA 22630Directions
- Front Royal FCU113 South St, Front Royal, VA 22630Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.91% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.14% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.82% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $29 | $59 | — |
- CapitalNet worth ratio16.91%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.14%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.82%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$29Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Front Royal FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.