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Yes, but there are states like mine, Tennessee, that say the ammo must not be in the vicinity of the unloaded firearm.
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HOWEVER, is that requirement in the definition of unloaded or is just part of a statute that defines lawful transportation? If it is part of the actual difinition of unloaded, then a person travelling in accordance with FOPA might, and the chances are slim, have a problem. If that requirement is simply a condition for lawful transportation, then that statute would not apply to a person traveling in accordance with FOPA, because FOPA specifically overrides state law (when travelling interstate).
For instance, Oklahoma law requires that a firearm being transported be unloaded and plainly visible or in a container that is plainly visible. However FOPA, if the vehicle has an exterior compartment, requires the firearm to be concealed. Travelling through Oklahoma, FOPA would take precedence.