Front Royal Federal Credit Union

Headquarters: Front Royal, Virginia
Charter: Credit Union
Assets: $87.4M
Fed district: Richmond

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Front Royal Federal Credit Union: $35
Front Royal Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Front Royal Federal Credit Union: $35
Front Royal Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Front Royal Federal Credit Union: $1
Front Royal Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Front Royal Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closed within 6 months$20
Inactive Account$2
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement$5
per month
Incorrect Address/Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ACH Overdraft$35
Courtesy Pay$35
per item
One Time Debit Overdraft$35
one time
Overdraft$35
per item
NSF$35
per item

ATM & Card

ATM Transaction$1
per transaction
Foreign ATM Withdrawal$1
ATM/Mastercard Check Card Reissue$10
per item
Rush Fee for Mastercard Debit/Credit$50

Wire Transfers

Wire Transfer (outgoing)$25
per item
Wire Transfer (incoming)$15
per item

Check Services

Certified Check (CU Issued)$5
per item
Money Order$2.50
per item
EFT Stop Payment$35
Stop Payment$35
per item
Counter Check$1
per item
Nonmember check cashing$5
per item
Copy of Draft$5
per item

Digital & Electronic

NSF for ACH Item Return$35

Cash & Deposit

Deposit Item return written by member$35
per item
Deposit Item return/loan payment$35
per item
Deposit Item return/MasterCard payment$35
per item

Account Services

Safe Deposit Box 3 x 10$50
per year
Safe Deposit Box 3 x 5$30
per year
Safe Deposit Box 5 x 10$60
per year
Safe Deposit Box 5 x 5$40
per year
Levy/Garnishment$25
Loan Subordination Fee$50

Other Fees

Statement Copy$5
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 6 months	$20	Not stated	None
Inactive Account	$2	per month	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement	$5	per month	None
Incorrect Address/Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ACH Overdraft	$35	Not stated	None
Courtesy Pay	$35	per item	None
One Time Debit Overdraft	$35	one time	None
Overdraft	$35	per item	None
NSF	$35	per item	None
ATM & Card
ATM Transaction	$1	per transaction	None
Foreign ATM Withdrawal	$1	Not stated	None
ATM/Mastercard Check Card Reissue	$10	per item	None
Rush Fee for Mastercard Debit/Credit	$50	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$25	per item	None
Wire Transfer (incoming)	$15	per item	None
Check Services
Certified Check (CU Issued)	$5	per item	None
Money Order	$2.50	per item	None
EFT Stop Payment	$35	Not stated	None
Stop Payment	$35	per item	None
Counter Check	$1	per item	None
Nonmember check cashing	$5	per item	None
Copy of Draft	$5	per item	None
Digital & Electronic
NSF for ACH Item Return	$35	Not stated	None
Cash & Deposit
Deposit Item return written by member	$35	per item	None
Deposit Item return/loan payment	$35	per item	None
Deposit Item return/MasterCard payment	$35	per item	None
Account Services
Safe Deposit Box 3 x 10	$50	per year	None
Safe Deposit Box 3 x 5	$30	per year	None
Safe Deposit Box 5 x 10	$60	per year	None
Safe Deposit Box 5 x 5	$40	per year	None
Levy/Garnishment	$25	Not stated	None
Loan Subordination Fee	$50	Not stated	None
Other Fees
Statement Copy	$5Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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