Re: Communication Federal Credit Union

dukembams · ‎12-07-2024

CFCU is a local CU for me that has approximately 23 branches between Oklahoma and Kansas. I have been a member for about a decade now but only used them for loans because they always give the best rates for me.

Anywho, with NFCU hindering my Zelle usage I decided to open a checking account with CFCU and they have several interesting options.

Pay Me Checking: earn $0.10 per debit card transaction on transactions that are $10.00+. You also have $10 in out of network ATM reimbursement and no FTF.

Performance Checking: Up to 5.00% APY on balances up to $30,000. You also get the $10 reimbursement and no FTF.

Having been a member as long as I have, I regret not utilizing them for their deposit offerings...but I am now!

AndySoCal · ‎12-07-2024

@dukembams @I call this the great credit union secret. On CFCU web site under about ,locations there is a choice called coop shared branches this a list of other credit unions you can used their ATM with no fee you can find it unions anywhere in the USA. Per their website their are over 5,000 locations. The trans fund option should give a list of places where you can make a deposit that are not CFCU branches anywhere in the USA. I am glad you found another good credit union. I am thinking of moving my checking account to a credit union. I already have savings accounts with them.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

ptatohed · ‎12-07-2024

primis is 50c per debit card transaction!

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

dukembams · ‎12-08-2024

Primis not accepting new customers right now, according to their website. It may be different if you have a local branch.

dukembams · ‎12-08-2024

Correct! I have the Co-Op app to find shared branches and then I have the Tranfund app to locate surcharge free ATM's. Another thing I have noticed is POS transactions settle FAST. I grabbed some food last night around 7:30 PM CST and it settled around 9:00 AM CST this morning. They may have the quickest POS settling I have seen.

FicoMike0 · ‎12-08-2024

Amex pays some points in debit purchases.

These guys pay 7% for 15 debit purchases/month.

https://www.lascolinasfcu.com/premier-account

Communication Federal Credit Union

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Communication Federal Credit Union