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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Safeco Mobile vs SAFE Credit Union

Safeco Mobile 4.8★ · Free to download 40
Winner SAFE Credit Union
SAFE Credit Union 4.8★ · Free to download 65

SAFE Credit Union is generally more reliable for core banking functions, despite recent update issues, while Safeco Mobile faces significant app stability problems and strong user dissatisfaction with its 'RightTrack' program.

Full reviews: Safeco Mobile · SAFE Credit Union

Safeco Mobile, an insurance app, struggles with frequent crashes and widespread criticism of its 'RightTrack' driving program. SAFE Credit Union, a banking app, is praised for its customer service and core banking features, though recent updates have introduced glitches and removed some popular functionalities.

Head to head

App Stability and Reliability tieR1R3R8R10
Safeco Mobile Safeco Mobile users report frequent and severe app crashes, often immediately after logging in, making the app unusable for basic functions like viewing policies or making payments R1R8R10R16. Some users also experience issues with specific features like updating payment settings or the 'RightTrack' program R1R3.
SAFE Credit Union SAFE Credit Union users also report significant stability issues, particularly after recent updates, including the app being slow, laggy, or completely unusable for days R61R72R78R79. Issues include accounts not displaying, chat functions closing, and bill pay errors .
Features and Functionality edge: SAFE Credit UnionR4R5R7R15
Safeco Mobile Safeco Mobile offers features like accessing ID cards, making payments, and filing claims, which some users find easy to use when the app is working . However, the 'RightTrack' feature, intended for discounts, is widely criticized as a 'scam' that unfairly penalizes drivers for normal braking and acceleration, making it difficult to get discounts R4R5R26. Other issues include difficulty saving documents and problems with the Liberty Mutual link R7R15.
SAFE Credit Union SAFE Credit Union provides core banking functions such as viewing transactions, depositing checks, and making transfers . Users appreciate the convenience of ATM deposits and the ability to manage funds . However, recent updates have removed features like viewing pending transactions and adjusting balances to reflect them . Users also request features like Zelle and spending buckets . There are also reports of the bill pay feature not working and issues with card services .
Ease of Use tieR6R11R17R23
Safeco Mobile When Safeco Mobile is functional, many users find it easy to navigate and use for tasks like accessing documents and making payments R6R11R17R23. However, issues like constant logging out during claim filing, difficulty finding policy declarations, and a non-functional paperless consent page hinder usability .
SAFE Credit Union SAFE Credit Union is generally considered user-friendly and simple to use by many, with users appreciating the ease of managing accounts R61. However, recent updates have made the app confusing for some, especially with multiple accounts listed by number, and issues with accessibility software R72. The inability to paste passwords also creates friction .
Customer Service and Support edge: SAFE Credit UnionR13R20R24R30
Safeco Mobile Safeco Mobile users report poor customer service from the company, with claims of no communication, uncooperative staff, and difficulty resolving issues R13R20R24R30. Some positive experiences with representatives are mentioned R20.
SAFE Credit Union SAFE Credit Union generally receives high praise for its customer service, with users describing staff as helpful, kind, and responsive . However, some users encountered issues with customer support not being able to resolve login problems or account access .
Price/Value edge: SAFE Credit UnionR12R13R18R21
Safeco Mobile Safeco Mobile users frequently complain about high and increasing insurance rates, with some stating they saved thousands by switching to competitors R12R13R18R21. There are also strong criticisms about the 'RightTrack' program being a 'scam' designed to prevent discounts and potentially increase costs R26R50.
SAFE Credit Union SAFE Credit Union reviews do not directly discuss pricing for services, as it is a credit union. Users generally express satisfaction with the overall banking experience and the value of being a member .
Pick Safeco Mobile if

You are a Safeco insurance policyholder who needs basic policy access and is willing to tolerate frequent app crashes and potential issues with the 'RightTrack' program R1R10R26.

Pick SAFE Credit Union if

You are looking for a credit union with strong customer service and generally reliable core banking features, even if recent app updates have introduced some glitches and removed certain functionalities .

Evidence note: Recent reviews for both apps show a negative skew, primarily due to app stability issues and problematic updates. For Safeco Mobile, a significant portion of negative feedback centers on the 'RightTrack' feature and general app crashes. For SAFE Credit Union, recent updates have caused widespread functionality problems, despite a strong history of positive customer service.

Frequently asked

Does Safeco Mobile's 'RightTrack' program actually save money?
Many Safeco Mobile users report that the 'RightTrack' program is designed to minimize discounts and unfairly penalizes drivers for normal braking and acceleration, making it difficult to save money R4R26R50.
Is the SAFE Credit Union app reliable for daily banking?
While many users praise SAFE Credit Union's app for its ease of use and core banking functions, recent updates have led to significant reliability issues, including frequent crashes, slow loading times, and accounts not displaying correctly R61R72R78R79.
Do either of these apps have issues with logging in or account access?
Safeco Mobile users frequently report the app crashing immediately after logging in, preventing access to policies or billing R10R16R19R22. SAFE Credit Union users have also experienced login issues, such as being unable to enter authentication codes or problems after opening new accounts .

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. [R1] Safeco Mobile 1/5 · US Use to work fine: Can not update my payment settings or use the delay my payments option. Will not submit. App use to work just fine now glitches galore.
  2. [R3] Safeco Mobile 3/5 · US Righttrack app does not work: The “Background refresh” option is active but greyed out on my iPhone. The same options are active for all my family member iphones. The app continues to notify of a error to activate though all Options are active. Please fix this issue.
  3. [R8] Safeco Mobile 5/5 · US Crashes!: This app crashes like crazy on iPhone 16.
  4. [R10] Safeco Mobile 1/5 · US Closes every time: This app is the worst. It used to work fine for a few months and now it just closes on its own after I log in. I can’t even see my policy or billing.. nothing it just crashes and closes in seconds. Please fix it!
  5. [R4] Safeco Mobile 1/5 · US Terrible tracking idea: So they decide that your phone and solely your phones gps system is sufficient enough to track “hard braking” this fails to account for the plethora of situations in which you are not at fault for having to brake harder than 8 mph a second. Wether it be a sudden stop of the person in front of you or a light changing too fast they will track it and put the blame on you. Addi
  6. [R5] Safeco Mobile 4/5 · US Breaking: Breaking is too critical while driving in city and around traffic lights.
  7. [R7] Safeco Mobile 1/5 · US Liberty Mutual Link Broken: Safeco username and password doesn’t work on Liberty Mutual’s app.
  8. [R15] Safeco Mobile 3/5 · US Can’t save documents: I select download the Declarations PDF to Files on my iPhone however there’s no option to save or change the folder and I’m trapped with no way to back out of the save screen. I have to close and restart the app.
  9. [R6] Safeco Mobile 3/5 · US Ease of use.: First time user, so far it’s fairly intuitive and simple.
  10. [R11] Safeco Mobile 5/5 · US App: Easy to use
  11. [R17] Safeco Mobile 5/5 · US Easy to use!: Navigation is smooth!
  12. [R23] Safeco Mobile 5/5 · US Best insurance: I love how easy, convenient and fast they work. The people are wonderful and knowledgeable. I would definitely recommend!
  13. [R13] Safeco Mobile 1/5 · US Terrible: The app is just as terrible as the company. No customer service, insanely high rates, doesn’t communicate with the department of motor vehicles.. they appear to be predatory and i perceive them as a criminal organization.
  14. [R20] Safeco Mobile 4/5 · US Representative: Outstanding job worked hard. Impeccable service received.
  15. [R24] Safeco Mobile 1/5 · US Uncooperative: I would never recommend this company. I have never had a satisfactory experience with them.
  16. [R30] Safeco Mobile 1/5 · US Review: I have written a report and they never got back to me
  17. [R12] Safeco Mobile 3/5 · US Renewal: Not happy. I have had insurance for my Fifth-wheel Trailer for one year. Now Safeco is raising insurance $74 a year. Paying $643 for a trailer we use 3 months out of the year is ridiculous.
  18. [R18] Safeco Mobile 3/5 · US Prices too high!: Prices jumped so much this year. It was terrible.
  19. [R21] Safeco Mobile 3/5 · US Rates: Your rates are outrageous. I have been a customer for 7 years. Time for a change.
  20. [R26] Safeco Mobile 1/5 · US RIGHT TRACK RACKET: Clearly designed to minimize discounts as much as possible. The app will ding you for completely normal breaking and acceleration in order to prevent you from getting the discount you signed up with. Don’t believe me? You’ll understand within a day of using the app.
  21. [R50] Safeco Mobile 1/5 · US SCAM!! Right Track to charge you more MONEY!: SCAM!! The right track app isn’t set up to give you a discount for safe driving. It’s set up to find another way for insurance to charge you more. I drive like a grandma and had perfect driving for 200 miles. One person ran a stop sign which I had to slam my brake to not hit them. It gave dropped my score to 85 from “hard braking”. Now at 700 miles lat
  22. [R61] SAFE Credit Union 1/5 · US Glitchy App: App is very user friendly and helpful. But it is also very glitchy, slow to load and laggy.
  23. [R72] SAFE Credit Union 3/5 · US Frustrating: I absolutely hate the new updated system. I have the hardest time trying to pull up my account because all it does is buffer the whole time. Prior to that I didn’t have any issue. They didn’t update this for The Best, but making it a headache.
  24. [R78] SAFE Credit Union 3/5 · US Nerve racking: This app will work for a short period of time, and then stop it gets to the point where it won’t even open up, particularly when using an Apple iPad
  25. [R79] SAFE Credit Union 1/5 · US Unusable for 11 days and counting: The app has been completed down, as in cannot even open if, for 11 whole calendar days as of today. Completely unacceptable in 2026. Abysmal update production team.
  26. [R16] Safeco Mobile 1/5 · US The app crashes 100% of the time: I am not sure if something changed, but over the past 24 hours I have had the app immediately force close ~20 times. Each time I try it's the same behavior: The app opens correctly when not logged in, but once I click continue to log in with my account, it just shuts down and closes out. I have re-installed it a few times, and restarted my phone - I am assuming
  27. [R19] Safeco Mobile 1/5 · US Was working until it’s not: Apps keeps crashing after logged in
  28. [R22] Safeco Mobile 1/5 · US App crashing: Currently the app crashes immediately after signing in.

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