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 Communication Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Communication Federal Credit Union's 13 Month IRA/CD Special rates are at 4.35%, 18 Month IRA/CD rates are at 4.35%, 9 Month IRA/CD Special rates are at 3.90%, 2 Year IRA/CD rates are at 3.60%, 6 Month IRA/CD rates are at 3.50%. Communication Federal Credit Union's savings rates are at 3.75%. Communication Federal Credit Union's money market rates are at 1.25%. Communication Federal Credit Union's checking rates are as high as 4.00%. Communication Federal Credit Union's Conventional 15 Year Fixed Mortgage rates are at 6.62%, VA 30 Year Fixed Mortgage rates are at 6.99%, Conventional 30 Year Fixed Mortgage rates are at 7.25%, USDA 30 Year Fixed Mortgage rates are at 7.00%, Land 15 Year Fixed Mortgage rates are at 7.50%. Communication Federal Credit Union's Personal Loan Rates are as low as 13.24%. Communication Federal Credit Union's Credit Card Rates are at 12.74%. Communication Federal Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Communication Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.32%. Rates last updated and verified on 10/28/2026. Communication Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Communication Federal Credit Union? Share your experience about Communication Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Communication Federal Credit Union. Communication Federal Credit Union
NW 4141 NW Expressway
https://www.comfedcu.org Oklahoma City, OK 73116-1682  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Communication Federal Credit Union CD Rates
Communication Federal Credit Union Savings Rates
Communication Federal Credit Union Business Savings Rates
Communication Federal Credit Union Money Market Rates
Communication Federal Credit Union Checking Rates
Communication Federal Credit Union Mortgage Rates
Communication Federal Credit Union Home Equity & HELOC
Communication Federal Credit Union Auto Loan Rates
Communication Federal Credit Union RV, Boat and Powersport Loan Rates
Communication Federal Credit Union Credit Card Rates
Communication Federal Credit Union Personal Loan Rates
Communication Federal Credit Union Other Rates
Financial Health HistoryCommunication Federal Credit Union’s Texas Ratio rose from 4.30% in Q3 2023 to 6.32% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Communication Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Communication Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Communication Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Communication Federal Credit Union
Website
https://www.comfedcu.org
Address
4141 NW Expressway,
Oklahoma City, OK 73116-1682
Phone
405-879-5600
Fax
405-879-8698
President
Mirl Whisman
CEO
Stephen Lark
Full-Time Employees
302
Part-Time Employees
0
Branch Locations
25
ATM Locations
21
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.32%
Return on Assets (ROA)
0.5142%
Return on Equity (ROE)
4.3457%
Non-Performing Loans Ratio (NPL)
1.24%
Total Assets
2,384,370,686
Total Amount of Shares and Deposits
2,062,866,510
Total Shares and Deposits < 1 Year
1,889,765,903
Total Shares and Deposits 1 3 Years
172,206,051
Total Shares and Deposits > 3 Years
894,557
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
322,572,258
Total Uninsured Shares and Deposits > $250K (F+J)
322,572,258
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,740,294,252
Total Interest Expense (Sum of items 6 8)
27,785,173
Share Certificates
19,805
Number of Accounts for Share Drafts
55,745
IRA KEOGH Accounts
3,199
Number of Accounts for Regular Shares
138,553
All other shares
1,263
Non Member Deposits
14
Money Market Shares
19,619
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
206,945,140
Total Liabilities
2,120,635,930
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Communication Federal Credit UnionDoes Communication Federal Credit Union offer CDs?Yes. Communication Federal Credit Union current CD rates include its 13 Month IRA/CD Special at 4.35% APY, its 18 Month IRA/CD at 4.35% APY and its 9 Month IRA/CD Special at 3.90% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Communication Federal Credit Union NCUA insured?Yes. Communication Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Communication Federal Credit Union?The highest Communication Federal Credit Union CD rate is its 13 Month IRA/CD Special at 4.35% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Communication Federal Credit Union offer?Communication Federal Credit Union CD rates are 3.50% APY for a 6 month CD, 3.90% APY for a 9 month CD, 2.95% APY for a 12 month CD, 4.35% APY for a 13 month CD, 4.35% APY for an 18 month CD, 3.60% APY for a 2 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Communication Federal Credit Union for its full lineup. What is the highest savings rate at Communication Federal Credit Union?The highest Communication Federal Credit Union savings rate is its Blue Savings for Business at 3.75% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Communication Federal Credit Union?The highest Communication Federal Credit Union money market rate is its Liquid Gold Money Market at 1.25% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Communication Federal Credit Union?The highest Communication Federal Credit Union checking rate is its Performance Checking - Requirements Met Minimum to Open at 4.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest 30 year fixed mortgage rate at Communication Federal Credit Union?The lowest Communication Federal Credit Union 30 year fixed mortgage rate is its FHA 30 Year Fixed Mortgage at 6.875%, verified by MonitorBankRates as of October 28, 2026. Communication Federal Credit Union mortgage rates are 7.25% for a 30 year mortgage and 6.625% for a 15 year mortgage. What is the lowest auto loan rate at Communication Federal Credit Union?The lowest Communication Federal Credit Union auto loan rate is its Auto 2019-2027 at 5.49% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Communication Federal Credit Union?The lowest Communication Federal Credit Union personal loan rate is its Signature Loan at 13.24% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Communication Federal Credit Union?The lowest Communication Federal Credit Union credit card APR is its Visa Platinum Credit Card at 12.74% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Communication Federal Credit Union operate?Communication Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Communication Federal Credit Union?Yes, to access services at Communication Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Communication Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Communication Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Communication Federal Credit Union offer online and mobile banking?Most modern institutions like Communication Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.comfedcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Communication Federal Credit Union rates compare?Communication Federal Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A health rating. Communication Federal Credit Union's top rates are its 13 Month IRA/CD Special at 4.35% APY, its Blue Savings for Business at 3.75% APY, its Liquid Gold Money Market at 1.25% APY, its Performance Checking - Requirements Met Minimum to Open at 4.00% APY, its Conventional 15 Year Fixed Mortgage at 6.625%, its Signature Loan at 13.24% APR and its Visa Platinum Credit Card at 12.74% APR, verified by MonitorBankRates on October 28, 2026. Current Communication Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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