Credit union · NCUA insured
Front Royal FCU Savings Rates
Front Royal FCU’s best savings rate is 0.05% APY on $10,000, with its Share Account. Rates checked October 22, 2026.
How Front Royal FCU’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Front Royal FCU has the most branches. $10,000, best rate first.
This credit union’s best
Front Royal FCU
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Share Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Front Royal FCU savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Front Royal FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Account
0.05%APY
Must live, work, worship, or attend school in Warren County, VA. $5.00 membership fee required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAnticipated dividend rate; $5 to open.Any balance | 0.05% | $5 | Anticipated dividend rate; $5 to open. |
Special-purpose accounts
Christmas Club
0.05%APY
Funds are released in October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAnticipated dividend rate.Any balance | 0.05% | $5 | Anticipated dividend rate. |
Sources (2)
All captured Sep 19, 2026
Custodial Account
0.05%APY
For youth/minors. Funds must be used for the benefit of the minor, who cannot have access to the account until age 18 or 21, at which point the account is closed and a membership savings account can be opened in their name.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAnticipated dividend rate; $5 to open; dividends earned once there is a balance of $50.$50 and up | 0.05% | $5 | Anticipated dividend rate; $5 to open; dividends earned once there is a balance of $50. |
Sources (2)
All captured Sep 19, 2026
IRA
0.05%APY
Must have an established membership account. Available as Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAnticipated dividend rate.Any balance | 0.05% | $5 | Anticipated dividend rate. |
Vacation Club
0.05%APY
Allows two withdrawals per calendar year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAnticipated dividend rate.Any balance | 0.05% | $5 | Anticipated dividend rate. |
Sources (2)
All captured Sep 19, 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.