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Private community here on the fediverse?
(lemmy.dbzer0.com)
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There's Matrix. That's more like Discord. And everything is encrypted. You can run your own matrix server. Have different rooms for different topics. Do private messaging between individuals. Verify each other so you know if someone's device changes that you need to verify them again.
I don't know how difficult it is to set up, but I know many people have done it.
Fluxer might also be an option? Although I'm not sure that it is as encrypted or secure as matrix. But definitely more like Discord. And self hostable.
Thanks for the mention of Fluxer! That sounds like a great option for some communities I'm on on Discord that might be open to moving away from US hosted, as in one they recently had one member have a giant issue with an account that got hacked. I can't imagine anything much worse than Discords current management tbh.
Another option is Stoat
I'd also say that having your own Matrix instance is pretty much the only way to go when it comes to this topic.
If more than one of expenditure, storage or service continuity are a concern, I'd strongly recommend against Matrix, at least a self-hosted one. It's one of those nu-protocols that's quite resource intensive compared to perfectly serviceable alternatives from the '90s or '00s. I'd instead recommend something based on XMPP, such as a Prosody / Snikket server (with the advice that you'll have to configure some more stuff for privacy). Client apps on Android and web at least are also readily available.