Credit union · NCUA insured
Front Royal FCU Auto Loan Rates
Front Royal FCU auto loans start at 4.29% APR for a new vehicle and 4.79% for a used one. Rates checked October 22, 2026.
How Front Royal FCU’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Front Royal FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Front Royal FCU
4.29%APR
- Terms
- up to 72 months
2026 Vehicles
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Front Royal FCU auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Front Royal FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
2026 Vehicles
Term determined by amount financed; rate increases based on model year and other underwriting factors. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 3.99% | — |
| up to 72 months | 4.29% | — |
| up to 84 months | 4.79% | — |
| up to 96 months | 5.29% | Requires borrowing $50k or more. |
Sources (1)
- frontroyalfcu.org/loans/rates · captured Oct 4, 2026
Big Ben Auto Loan Special
Refinance offer to beat current rate from another financial institution by up to 1.00% APR; Credit union established floor rate is 1.25% APR. Dealer 0% financing not available. Valid through December 31, 2017. Membership required; subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 1.25% | Beat current rate by up to 1.00% APR down to credit union established floor rate of 1.25% APR. Loans currently financed with the credit union are not eligible. Offer stated as valid through December 31, 2017. |
Sources (1)
- frontroyalfcu.org/big-ben-auto-loan-special · captured Oct 4, 2026
New and Used Motorcycle
Term determined by amount financed and rate increases based on model year and other underwriting factors. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | Payment example based on borrowing $25,000 for 60 months. |
Sources (1)
- frontroyalfcu.org/loans/rates · captured Oct 4, 2026
Used Vehicles 2025 and Older
Term determined by amount financed; rate increases based on model year and other underwriting factors. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 3.99% | — |
| up to 72 months | 4.29% | — |
| up to 84 months | 4.79% | — |
Sources (1)
- frontroyalfcu.org/loans/rates · captured Oct 4, 2026
Who can join Front Royal FCU
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.
Membership information collected October 4, 2026.