You can't encrypt radio communications with commercial radios. It's illegal and commercial equipment isn't capible of it. That is only something the military and select government offices can do. Even the police can't do it. It is prohibited by the FCC. Most people who think they are using a encrypted, secure, private, etc channel are simply using a digital filter or trunked frequency.
Not exactly true - Mpst police CAN, but choose not to
FRS, GMRS, MURS, HAM (VHF/UHF) etc are all in the clear. The digital "filters" or "voice privacy scrambler" is only the CTCSS or DCS tone. It helps you filter out others communication. It doesn't keep yours private. If you are set to the same tone you can hear the communication. But so can everyone who is not using any tone (ex. channel 5 privacy channel 0) or anyone with a scanner.
There is some debate on this - IF you are using a "Known algorythem" and transmit the KEY in the clear, it seems that the FCC considers this to no longer be encrypted, but the average user is NOT capable of decoding - but, as I said, your ID and key have to go 'in the clear'
Even police, airports and most government communications that may be on digitally trunked frequencies can be monitored with a digital trunking scanner. Again, the FCC prohibits anything encrypted from going over the airwaves and most radio equipment can't do it anyway.
As I said, Police, Fire etc have no problem getting permission to go encrypted, it's just it's a hassle to do so, so they usually only do it for "tactical" police channels - I own at least for radios capable of AGIS encription, and folks wouldn't be buying a multi hundred dollar option if they weren't using it