Chartered in 1949, Front Royal Federal Credit Union began its tradition of “people helping people” to save regularly and provide a source from which to borrow at low interest rates. Earnings remaining after expenses and capital reserves are returned to members in the form of more competitive share and loan rates and free or low-cost financial services. Unlike credit unions, for-profit banks pay their high earnings to investors and a paid board of directors. At Front Royal, our helpful and knowledgeable staff knows members by name. In fact, many employees have been serving fellow members for over a decade!