What are the current interest rates at Communication Federal Credit Union?

Current rates for Communication Federal Credit Union include: 12-Month CD: 2.95%, 18-Month CD: 4.35%, 24-Month CD: 3.60%, 60-Month CD: 3.10%, Savings: 3.75%, MMA: 1.25%

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Communication Federal Credit Union

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Communication Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Communication Federal Credit Union's top rates as of October 12, 2026 are 4.35% APY on its 13 Month IRA/CD Special, 3.75% APY on savings, 1.25% APY on money market accounts, 4.00% APY on checking, 6.88% on its Conventional 15 Year Fixed mortgage, personal loans from 13.24% APR, and credit cards from 12.74% APR, according to rates verified by MonitorBankRates. Other Communication Federal Credit Union CD rates include 18 Month IRA/CD at 4.35%, 9 Month IRA/CD Special at 3.90%, and 2 Year IRA/CD at 3.60%. Other Communication Federal Credit Union mortgage rates include VA 30 Year Fixed at 7.12%, Conventional 30 Year Fixed at 7.38%, and Land 15 Year Fixed at 7.50%. 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 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.32%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Communication Federal Credit Union
NW

4141 NW Expressway
Oklahoma City, OK 73116-1682

https://www.comfedcu.org

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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

Product	Rate	APY	Term
13 Month IRA/Share Certificate Special	4.26%	4.35%	13 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10% Oct 8, 20264.35%▲ from 4.10% Sep 25, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
18 Month IRA/Share Certificate	4.26%	4.35%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90% Oct 8, 20264.35%▲ from 3.90% Sep 25, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
9 Month IRA/Share Certificate Special	3.83%	3.90%	9 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
2 Year IRA/Share Certificate	3.54%	3.60%	2 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
6 Month IRA/Share Certificate	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
3 Year IRA/Share Certificate	3.20%	3.25%	3 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
4 Year IRA/Share Certificate	3.05%	3.10%	4 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
5 Year IRA/Share Certificate	3.05%	3.10%	5 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
1 Year IRA/Share Certificate	2.91%	2.95%	1 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: Over $0; Rate Type: Variable Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Regular Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Balance: $5 and Above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Blue Savings for Business	3.69%	3.75%
Min Balance $0 Details Balance: $0 - $2,500,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Money Market Rates

Product	Rate	APY
Liquid Gold Money Market	1.24%	1.25%
Min Balance $500,000 Details Balance: $500,000 and Above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Liquid Gold Money Market	1.00%	1.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Liquid Gold Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Checking Rates

Product	Rate	APY
Performance Checking	3.93%	4.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Requirements Met; Balance: $0 - $30,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Performance Checking	3.93%	4.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 12 debit card purchases (excluding ATM transactions) totaling at least $500; Receive electronic deposits totaling at least $1,500; Have at least one ACH automatic debit transaction; Enroll in and receive eStatements; Balances up to $30,000 receive APY of 4.00%; and balances over $30,000 earn 0.10% interest rate on portion of balance over $30,000, resulting in 4.00% - 0.10% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY. First box of CFCU branded checks free. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Performance Checking	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Requirements Not Met; Balance: Over $25 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Conventional 15 Year Fixed	6.875%	0.000%	7.106%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.73% → 7.11% ▲ 0.38 pts · high 7.11% / low 6.73% Oct 12, 20267.11%▲ from 6.73% Sep 16, 20266.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
VA 30 Year Fixed	7.125%	0.000%	7.451%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.20% → 7.45% ▲ 0.25 pts · high 7.45% / low 7.20% Oct 12, 20267.45%▲ from 7.20% Sep 16, 20267.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Conventional 30 Year Fixed	7.375%	0.000%	7.521%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.27% → 7.52% ▲ 0.25 pts · high 7.52% / low 7.27% Oct 12, 20267.52%▲ from 7.27% Sep 16, 20267.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Land 15 Year Fixed	7.50%	0.000%	7.645%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.39% → 7.65% ▲ 0.25 pts · high 7.65% / low 7.39% Oct 12, 20267.65%▲ from 7.39% Sep 16, 20267.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
USDA 30 Year Fixed	7.125%	0.000%	7.694%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.44% → 7.69% ▲ 0.25 pts · high 7.69% / low 7.44% Oct 12, 20267.69%▲ from 7.44% Sep 16, 20267.44%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
FHA 30 Year Fixed	6.99%	0.000%	7.831%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.71% → 7.83% ▲ 0.12 pts · high 7.83% / low 7.71% Oct 12, 20267.83%▲ from 7.71% Sep 16, 20267.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity 15 Year Fixed	6.25%	0.000%	6.621%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.99% → 6.62% ▲ 0.63 pts · high 6.62% / low 5.99% Oct 12, 20266.62%▲ from 5.99% Sep 16, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto 2019-2027	-	-	5.49%	66 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Auto 2022-2027	-	-	5.74%	78 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Auto 2023-2027	-	-	5.99%	84 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Auto 2017-2018	-	-	6.74%	54 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Auto 2015-2016	-	-	6.99%	48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV 2022-2027 (60% LTV Maximum) Loan	-	6.49%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Boat & RV 2025-2027 (60% LTV Maximum) Loan	-	6.99%	72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Boat & RV 2018-2021 (60% LTV Maximum) Loan	-	9.49%	54 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Boat & RV 2022-2027 Loan	-	9.99%	72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Boat & RV 2025-2027 Loan	-	10.49%	84 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Motorcycle/ATV/UTV 2024-2027 Loan	-	12.24%	72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 12.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Boat & RV 2018-2021 Loan	-	12.49%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 12.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Boat & RV 2014-2017 Loan	-	12.99%	54 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Motorcycle/ATV/UTV 2021-2023 Loan	-	13.99%	48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Boat & RV 2013 and Older Loan	-	14.49%	36 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 14.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	12.74%
Details Rate Type: Variable Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49% Oct 4, 202612.74%▲ from 12.49% Sep 25, 202612.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Visa Platinum Rewards	-	13.74%
Details Rate Type: Variable Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 4, 202613.74%▲ from 13.49% Sep 25, 202613.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	13.24%	36 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Communication Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Flex Loan	-	-	15.90%
Details Rate: Variable Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 15.65% → 15.90% ▲ 0.25 pts · high 15.90% / low 15.65% Oct 4, 202615.90%▲ from 15.65% Sep 16, 202615.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Storm Shelter Loan	-	-	5.99%	36 Months
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
IRA Share Account	0.10%	-	0.10%
Min Balance $0 Details Balance: $0 - $4,999.99; Rate Type: Variable; IRA & HSA Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
IRA Share Account	0.25%	-	0.25%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Rate Type: Variable; IRA & HSA Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
IRA Share Account	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Rate Type: Variable; IRA & HSA Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
IRA Share Account	0.40%	-	0.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Rate Type: Variable; IRA & HSA Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
IRA Share Account	0.45%	-	0.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Rate Type: Variable; IRA & HSA Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
IRA Share Account	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000 and Above; Rate Type: Variable; IRA & HSA Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	0.10%	-	0.10%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 2.50% → 0.10% ▼ 2.40 pts · high 2.50% / low 0.10% Oct 4, 20260.10%▼ from 2.50% Sep 25, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	0.25%	-	0.25%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	0.40%	-	0.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	0.45%	-	0.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000 and Above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	-	-	0.10%
Min Balance $0 Details Balance: $0 - $4,999.99 Balances Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 2.50% → 0.10% ▼ 2.40 pts · high 2.50% / low 0.10% Oct 4, 20260.10%▼ from 2.50% Sep 25, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	-	-	0.25%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Balances Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	-	-	0.30%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Balances Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	-	-	0.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Balances Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	-	-	0.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Balances Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Money Max	-	-	0.50%
Min Balance $100,000 Details Balance: $100,000+ Balances Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Performance Checking	-	-	4.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Make a minimum of 12 debit card purchases (excluding ATM transactions) totaling at least $500; Receive electronic deposits totaling at least $1,500; Have at least one ACH automatic debit transaction; Enroll in and receive eStatements; Balances up to $30,000 receive APY of 4.00%; balances over $30,000 earn 0.10% interest rate on portion of balance over $30,000, resulting in 4.00% - 0.10% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Reverse-Tier Money Max	2.47%	-	2.50%
Min Balance $0 Details Balance: $0 - $2,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Reverse-Tier Money Max	-	-	2.50%
Min Balance $2,000 Details Published APY range: 2.50% - 2.13%. Balance: $2,000.01 - $4,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Reverse-Tier Money Max	-	-	2.50%
Min Balance $0 Details Balance: $0 - $2,000 Balances Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Reverse-Tier Money Max	-	-	2.13%
Min Balance $4,000 Details Published APY range: 2.13% - 1.75%*. Balance: $4,000.01 - $6,000 Balances Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%
Reverse-Tier Money Max	-	-	1.75%
Min Balance $6,000 Details Published APY range: 1.75% - 0.10%*. Balance: $6,000.01+ Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Communication 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.4B	6.32%	5.0	A
March 31, 2026	$2.3B	5.51%	5.0	A+
December 31, 2025	$2.3B	7.17%	5.0	A
September 30, 2025	$2.3B	7.00%	5.0	A
June 30, 2025	$2.2B	6.49%	5.0	A
March 31, 2025	$2.2B	5.88%	5.0	A+
December 31, 2024	$2.2B	6.72%	5.0	A
September 30, 2024	$2.1B	6.84%	5.0	A
June 30, 2024	$2.1B	6.24%	5.0	A
March 31, 2024	$2.1B	4.70%	5.0	A+
December 31, 2023	$2.1B	5.11%	5.0	A+
September 30, 2023	$2.0B	4.30%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

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

Q2 2026 MBR Health & Safety Badge

Communication Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Communication Federal Credit Union

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.

Current Communication Federal Credit Union Rates

12-Month CD2.95%
18-Month CD4.35%
24-Month CD3.60%
60-Month CD3.10%
Savings3.75%
MMA1.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Communication Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Communication Federal Credit Union Texas Ratio

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Communication Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Communication Federal Credit Union

How many branches does Communication Federal Credit Union operate?

Is a member application needed to join Communication Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Communication Federal Credit Union offer online and mobile banking?

Current Communication Federal Credit Union Rates

Compare to Other Credit Unions