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Communication Federal Credit Union is a member-owned, not-for-profit credit union serving Oklahoma and Kansas since 1939, offering checking, savings, auto loans, mortgages, and personal loans with competitive rates.
Data compiled from public sources
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Communication Federal Credit Union (CFCU) has operated as a member-owned financial cooperative since 1939, establishing itself as a stable institution in Oklahoma and Kansas. The organization is federally insured by the NCUA and holds a 30-year history of receiving Bauer Financial Reports' Five-Star rating, indicating strong capital reserves and operational stability. As a not-for-profit credit union, CFCU returns profits to members rather than external shareholders, which directly influences its pricing and service model.
CFCU offers a comprehensive suite of financial products including deposit accounts (PayMe Checking with cash-back rewards), certificates of deposit (currently featuring 4.10% APY on 9-month terms and 3.85% APY on 13-month terms), auto loans (starting at 5.49% APR), personal loans for consolidation or major purchases, mortgages, youth savings accounts, and 24/7 digital banking through online platforms and mobile app. The institution emphasizes personalized service, with staff trained to know members individually rather than treating them as account numbers.
CFCU differentiates itself through its cooperative structure, which theoretically enables lower fees and better rates than traditional banks due to profit-sharing with members. The institution has maintained consistent Five-Star ratings for three decades and emphasizes a relationship-based approach to member service. Digital tools include Zelle money transfers, bill pay, real-time alerts, debit card controls, and access to free credit reports and scores.
While CFCU appears to be a legitimate, well-capitalized credit union with strong regulatory standing, potential members should note that membership is likely restricted to specific employer groups or geographic areas (as is typical for credit unions), and the website does not clearly state eligibility requirements. Rates advertised (5.49% auto, 4.10% certificate) are competitive but not high listed in current market conditions. The lack of detailed fee schedules and product terms on the homepage requires contacting the institution for specifics.
This is state-level context for Credit Unions consumers in Oklahoma City, OK. It does not confirm that Communication or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), Communication has a 0% response rate to consumer complaints, with 0% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Communication offers 12 services including PayMe Checking accounts with cash-back rewards on debit card purchases and no monthly fees, Certificate of deposit products (9-month and 13-month terms with fixed APY rates), Auto loans with rates starting at 5.49% APR for dealership and private-party purchases, Personal loans for large purchases, debt consolidation, and unexpected expenses, Mortgage loans for home purchases and refinancing, and 7 more.
Communication has profile signals associated with Members eligible to join CFCU who prioritize relationship-based banking and member-owned profit-sharing over bank services, Auto buyers seeking rate claims to verify with straightforward application and pre-approval processes, Savers looking for competitive certificate rates in a federally insured, highly-rated institution with long-term stability, Individuals seeking personalized financial guidance and service from staff trained to know members individually.
Key strengths: Not-for-profit structure returns profits to members as better rates, lower fees, and improved services rather than to external shareholders; Consistent 30-year history of Five-Star ratings from Bauer Financial Reports, indicating strong financial stability and capital reserves; Federally insured by NCUA with accounts protected, plus claims of being among the safest financial institutions in the country. Areas to consider: Membership eligibility and requirements are not clearly stated on the website, suggesting potential restrictions on who can join (typical for credit unions but not listed here); Advertised rates (5.49% APR auto, 4.10% APY certificate) are competitive but not high listed compared to current market offerings from banks and online lenders.
In the Credit Unions category, comparable providers include Comanche County, Correctional Workers, Dfcu Tulsa. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Communication Federal Credit Union is best suited for individuals eligible for membership who value a member-owned, not-for-profit financial institution with proven long-term stability and personalized service over purely rate-driven shopping. The main caveat is that membership eligibility appears restricted (typical for credit unions), and detailed product terms and fee information require direct contact rather than being available on the public website.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-05-07
Comanche County Federal Credit Union is a member-owned financial institution offering savings accounts, checking, auto loans, mortgages, and share certificates with rate claims to verify.
Profile signals: Comanche County residents and employees seeking member-owned banking with competitive auto and mortgage rates, Borrowers looking for extended auto financing terms (84 months) on newer vehicles
Correctional Workers Federal Credit Union is a member-owned credit union serving correctional workers with basic banking, ATM access, and financial services from their El Reno, Oklahoma location.
Profile signals: Correctional workers employed in Oklahoma seeking basic banking and ATM services, CWFCU members needing 24/7 fraud reporting and account monitoring
DFCU Tulsa is a member-owned credit union in Tulsa, Oklahoma offering auto loans, personal loans, credit cards, and deposit services with 24/7 online banking access.
Profile signals: Tulsa-area residents seeking local, member-owned banking with competitive auto loans, Consumers who value member ownership and cooperative financial principles
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