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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

SC Federal Credit Union

35
User verdict / 100 High confidence In trouble

The SC Federal Credit Union app's recent update has significantly degraded the user experience, with widespread reports of login issues, slow performance, and a less user-friendly interface, despite some users still praising the credit union's service.

4.8★ lifetime (19,742) Free to download since 2015 by South Carolina Federal Credit Union updated 3.1 mo ago recent negative 46% 120 reviews across 1 regions
Login & Biometrics Performance & Speed User Interface & Design Account Information & Transactions App Stability & Crashes Credit Union Service
5★94
4★18
3★24
2★22
1★92
recent reviews across 1 regions, vs the 4.8★ lifetime average

The SC Federal Credit Union app has seen a notable decline in user satisfaction following a recent update, with many users reporting frustrating technical issues and a less intuitive design. While the credit union itself continues to receive high praise for its customer service, the app's performance is causing significant frustration. This recent negative trend contrasts sharply with its high lifetime rating.

What users like

  • Credit union generally provides excellent customer service and banking experienceR4R5R6R7
  • Mobile check deposit feature is easy to useR9R61R77
  • Ability to transfer money between accounts is convenientR10R28
  • Some users find the app easy to use and helpfulR2R3R8R11

What users complain about

  • Frequent login issues, including Face ID/Touch ID failures and constant requests for verification codesR21R24R31R32
  • App is significantly slower and less responsive after the updateR19R38R42R44
  • New interface is not user-friendly, confusing, and lacks features like dark mode or landscape orientation on tabletsR19R32R34R51
  • Issues with transaction visibility and account information, such as incorrect balances or missing credit card detailsR36R49R55R60
  • App crashes or gets stuck on login screen for many usersR46R82R106R109
  • Bill pay and external transfer features are problematic or difficult to useR39R51R56R67
  • Unexpected fees reported by some usersR15R91R110

Latest update · v25.2.0

What the developer says changed (the verdict above weighs this against what reviewers report):

This update includes minor bug fixes and enhancements.

Recurring themes

Login & Biometrics negative
Many users report significant issues with logging into the app, including Face ID/Touch ID failing to work, the app not remembering login credentials, and frequent requests for two-factor authentication codes. This contradicts the developer's notes about 'minor bug fixes and enhancements' as these are major functional issues.R21R24R31R32
Performance & Speed negative
A large number of reviews mention the app being very slow, lagging, or taking a long time to process actions after the update.R19R38R42R44
User Interface & Design negative
Many users dislike the new app's layout, finding it confusing, less intuitive, and not user-friendly. Specific complaints include the lack of dark mode and the inability to use the app in landscape mode, especially on iPads.R24R32R34R43
Account Information & Transactions negative
Users report issues with viewing account activity, incorrect balances, or difficulty finding specific information like credit card due dates or past transactions.R36R49R55R60
App Stability & Crashes negative
Several users experience the app crashing, freezing, or getting stuck on the login screen. This directly contradicts the developer's notes about 'minor bug fixes and enhancements'.R46R82R106R109
Credit Union Service positive
Despite app issues, many users consistently praise SC Federal Credit Union for its excellent customer service, friendly staff, and overall positive banking experience.R4R5R6R7

Who it's for

This app is for existing members of SC Federal Credit Union who need to manage their accounts on the go. It might be worth using if you prioritize the credit union's strong customer service and are willing to tolerate significant app frustrations R7. It is not for users who expect a smooth, reliable, and modern mobile banking experience, especially if they rely on features like Face ID, quick access to transaction history, or tablet compatibility .

Evidence note: The recent reviews skew heavily negative, focusing almost entirely on issues with the latest app update. While there are some positive reviews, they often praise the credit union itself rather than the app's current functionality. The lifetime rating of 4.8 suggests the app was highly regarded before this recent update, indicating a sharp negative trajectory.

Frequently asked

What are the main problems with the SC Federal Credit Union app after the recent update?
After the recent update, the main problems with the SC Federal Credit Union app include frequent login issues, Face ID/Touch ID failures, slow performance, a less user-friendly interface, and difficulties viewing account activity or making transfers R21R31R38R51.
Does the SC Federal Credit Union app support Face ID or Touch ID?
While the SC Federal Credit Union app has Face ID/Touch ID features, many users report that they frequently do not work, requiring manual password entry or repeated verification codes R24R32R40R41.
Can I use the SC Federal Credit Union app in landscape mode on my tablet?
No, many users report that the SC Federal Credit Union app no longer works in landscape mode and is forced into portrait orientation, making it difficult to use on iPads or other tablets R24R51R65R72.
Are there issues with mobile check deposit in the updated app?
Some users have reported issues with mobile check deposit in the updated app, such as the app not automatically taking pictures or having glitches during the process R72R94R105R150.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R4] 5/5 · US Great!!: Love this credit union!!!
  2. [R5] 5/5 · US Great Servi e: Great Service
  3. [R6] 5/5 · US Since mid 1980’s: No matter the staff or location they are always on point with a special shout out to Goose Creek and Sam Rittenberg .
  4. [R7] 5/5 · US Best bank ever!: Over my many years of banking, I have used several different ones. SCFCU is the best banking experiences by far and would recommend it to anyone.. You are not just a number. They treat you like family.!
  5. [R9] 5/5 · US Deposits: This Credit Union is making things easier for us to do. Such as depositing your check, you don’t have to take it to the bank. You don’t have to give it to the teller. You don’t have to use the machine deposit your check take two pictures. And done that easy that’s great.
  6. [R61] 5/5 · US Mobile Deposit: Very easy to deposit
  7. [R77] 5/5 · US Super convenient: I love how simple easy and convenient this feature is. I love that i can deposit a check from the convenience of my home.
  8. [R10] 5/5 · US SC Fed transfers: Always easy and very easy to understand, thanks.
  9. [R28] 5/5 · US Transfer!: I love having the opportunity to transfer my own money!
  10. [R2] 5/5 · US Easy: Great to have this app
  11. [R3] 5/5 · US Love the App: Love the App and the Bank
  12. [R8] 5/5 · US App works great: They updated the app and everything works great nice and easy way to make a payment
  13. [R11] 5/5 · US A+: Great app easy to use
  14. [R21] 1/5 · US Difficult: I have had so much trouble logging into my Account. I have had to change my password twice. One problem is when you enter your password the first time they don't allow you to see what you're entering. I am going to try one more time to get into my account with the third password. I can only hope that it will work
  15. [R24] 1/5 · US Terrible: Things forget my login and passwords, let alone my Face ID. Not sure why I have to on my 12.9” IPad I have to view everything in portrait? I’m sticking to online banking via this till someone figures out a better way. Not worth it.
  16. [R31] 1/5 · US Log in issues: The app is very inconsistent. I can’t tell a rhyme or reason why, but sometimes it will let me log in and other times it won’t, even with repeated attempts. I go through the 2-factor authentication then it just takes me right back to the log in screen. This update was a step back.
  17. [R32] 2/5 · US New Update is horrible: Ever since the new update I can’t even log in more than half the time. It scans my face but never leaves the login page. I hate when you click on your credit card it takes you to all your cards and your debit card pops up first. You have to swipe to get to the card you need even though that’s the account you originally clicked on. It’s confusing.
  18. [R19] 3/5 · US Old app better: Moves very slow. Very slow. I would like to be able to rearrange my accounts. I make a lot of internal transfers.
  19. [R38] 1/5 · US New update: New update is soooooo slow, and makes me send codes to my phone every time I need to get into the app. It’s literally the worst update. The old one was definitely better and easier to manage on.
  20. [R42] 1/5 · US Don’t Like: App very slow seems out dated
  21. [R44] 1/5 · US Poor update: The update is so slow and the Face ID feature doesn’t work most of the time. But it’s soooslow. I want the old app back.
  22. [R34] 1/5 · US HATE IT: I absolutely hate using this app for banking!!!! The worst update I’ve ever experienced. I am considering transferring everything to a different bank.
  23. [R51] 1/5 · US TRASH: My account was down for a few days for this trash?! No landscape mode. Lags. Can’t pay my bills. Huge let down SCFCU.
  24. [R36] 1/5 · US mobile app: Since the update to the banking system, my app doesn’t update very well and it always shows more money in my account than what’s in, so I cannot rely on it🫤
  25. [R49] 3/5 · US Transactions: Would like to see more than 2 transactions. It would be nice to see last 3 months.
  26. [R55] 1/5 · US System Upgrade did not draft mortgage payment set up 5 years ago: Very disappointed with SC Federal as I set up automatic payments to mortgage 5 years ago (2 payments: 1 regular payment and 2nd principal only payment) my March payments went through which was after system upgrade but April regular payment was never drafted. I do not want my excellent credit rating ruined due to SC Federal not follo
  27. [R60] 5/5 · US No names in the account: No idea whose name is in the account. The old app was way better. My Inactive account is still here not sure why? The only good thing for me is the zelle . It is working now . But not so thrilled about this new app. I still love the bank though !
  28. [R46] 1/5 · US App doesn’t open: The app will not open. Username and password or Face ID. It spins and stays on Home Screen. Useless app
  29. [R82] 5/5 · US New update: 0 stars: Made me put a star but give it 0. I have not been able to access the updated version of the App since the new update. I have deleted and reinstalled 3 times. Called support and was told that they have no idea what to do and they are receiving so many calls about it. I give up.
  30. [R106] 5/5 · US New Update is Terrible: I much preferred the old version. This new update is slow and glitchy. It freezes every time i try to go into settings, and sometimes when i try to log in nothing loads; then i have to log out and back in to get it working. Absolutely terrible, please fix this!
  31. [R109] 1/5 · US Nothing but problems: Logging into this app is such a nuisance. It hasn’t worked for me in months, no matter how many times I redownload the app. It won’t even let me get to the login screen anymore, it just pops up an error and tells me to call for assistance. I have no problem logging in on the website so it’s definitely an app problem.
  32. [R39] 3/5 · US Bill pay: Bill pay is not working properly. I've tried several times to set up billpay to send payment to South State Bank cant get it to load. Now bill pay wont even pull up.
  33. [R56] 2/5 · US External transfers: It’s so difficult to make an external transfer to pay our car loan. I have to search for it every time.
  34. [R67] 1/5 · US Latest update is horrible: Trying to make a payment on a CC, my banking information was removed with the update, no confirmation that payment was pending after entering, no email received for payment. Why mess up a system that was working. Now I have 2 additional payments made.
  35. [R15] 3/5 · US Fees: Too many! This bank has more fees than others and needs to help their clients instead of hurting them.
  36. [R91] 5/5 · US Old saving account: This Amt. did not show up on old system and you were taking “dormant charge of 10.00 I should be refunded any dormant charges taken out.
  37. [R110] 3/5 · US Unwarranted fees: The minimum balance for my money market account is $1,000. I keep that amount in there for the majority of the month but have been fined twice in the last 2 months. I called customer service and thought that the situation was remedied but apparently not. I will be canceling my money market account and moving the money to an establishment that pays decent interest.
  38. [R43] 3/5 · US Bring back dark mode: I have biometrics turned on and it still won’t ever log me in with my Face ID. Please fix!
  39. [R40] 1/5 · US None: Biometrics do not work
  40. [R41] 2/5 · US Face ID: No longer logs in with face ID even though biometrics says I am enrolled and now with every login you have to repeat getting a code. I don’t see how this upgrade is an improvement with all these issues.
  41. [R65] 1/5 · US SC Federal upgrade: I am sure I am not the only one who is disgruntled that I cannot access the site in landscape mode. Why only portrait????
  42. [R72] 1/5 · US New app: Does not work in landscape only portrait Does not automatically take picture when making a deposit Does not let me send this review. Keeps rejecting my nicknames
  43. [R94] 1/5 · US Don’t Like Changes: The app was fine before it was recently changed. I don’t like it. It used to automatically take pictures of deposit checks. I don’t like the new lay out or colors. Change it back!!!!!!
  44. [R105] 5/5 · US Nice look but has bugs: First day of new app and while it’s sleek and fresh looking in terms of design, I’ve had to log in at least five times because I’ve been kicked out or there’s been some kind of network issue that’s unrelated to internet. I tried to do a mobile deposit but that was acting funny too. It finally took it after several times. Not a good first impression.
  45. [R150] 3/5 · US Was good, but is glitching: I used to like this app but lately it has been having several issues. The check deposit option says I am taking two pictures of the front when one is the front and one is the back. Also, the keyboard has been having issues. I wish the corrections would roll out, but for a banking app it has all the needed features. I honestly just prefer calling to get things done becau

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store