Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

General Electric Credit Union vs America First Credit Union

General Electric Credit Union 4.8★ · Free to download 60
Winner America First Credit Union
America First Credit Union 4.8★ · Free to download · ⚠ stale 65

America First Credit Union has a slight edge over General Electric Credit Union due to its generally more reliable app performance and better customer service, despite both apps facing significant issues with recent updates and core functionalities.

Full reviews: General Electric Credit Union · America First Credit Union

Both General Electric Credit Union (GECU) and America First Credit Union (AFCU) offer free mobile banking apps, but recent updates have introduced significant usability and reliability issues for both. While GECU struggles with payment processing and a cluttered interface, AFCU is plagued by frequent maintenance, login problems, and slow transaction updates. AFCU's larger user base and slightly higher lifetime rating suggest a generally more positive experience, but neither app is without its flaws.

Head to head

Features tieR3R5R7R10
General Electric Credit Union General Electric Credit Union's app offers features like checking balances, viewing transactions, getting immediate notifications, checking credit scores, and turning off bank cards R5R11. However, users report missing key functionalities such as making principal-only payments R3, paying auto loans within the app R19, or easily adding external payment accounts R7R10. Some users also note the absence of Zelle and difficulty moving money between personal and business accounts .
America First Credit Union America First Credit Union's app provides convenient in-app options and card controls , allows users to track spending and manage finances . However, users report issues with specific features like searching transactions , making online payments without calling , and problems with Zelle functionality on certain devices . Some users also mention the lack of distinction between cards for different users R70 and difficulties with transfers within accounts R75.
Ease of Use tieR4R6R8R11
General Electric Credit Union General Electric Credit Union users are divided on ease of use. Some find the app easy to navigate and understand R8R11. However, many recent reviews criticize a new update for being cluttered, less intuitive, and difficult to navigate R4R6. Specific complaints include having to go through more screens R6 and a confusing bill pay process .
America First Credit Union America First Credit Union's app is generally considered easy to navigate by many users . However, some users find the interface outdated and not user-friendly . Issues like functions being out of view on smaller screens and the need for separate logins for multiple accounts also detract from ease of use.
Reliability tieR1R7R9R10
General Electric Credit Union General Electric Credit Union's app suffers from significant reliability issues, particularly after recent updates. Users report the app freezing, showing errors , not working sometimes R9, and frequently shutting down during mobile deposits R26R31R33. Login problems, including Face ID not working R46 and inability to enter MFA codes R44, are also common. Many users cannot make loan payments R1R10R16R19 or add payment methods R7.
America First Credit Union America First Credit Union's app is frequently criticized for being unreliable. Users report constant maintenance periods that make the app inaccessible , login issues with Face ID and password expiration R63R70, and slow transaction updates . Mobile deposit functionality is also problematic for some . The app is described as buggy, glitchy, and often not working .
Price/Value tieR2R23R35R62
General Electric Credit Union General Electric Credit Union is praised for offering great and cheap rates R2. The app itself is free to download. Users appreciate the value of being able to manage their accounts and payments, despite the app's flaws R2R23R35.
America First Credit Union America First Credit Union is seen as a great credit union with good value, and the app is free to download. Members express long-term loyalty due to overall positive experiences with the credit union R62.
Support edge: America First Credit UnionR1R16R45R75
General Electric Credit Union General Electric Credit Union's support receives mixed reviews. Some users praise the staff, fast return contact, and loyalty to members R45. However, others report being told to call the bank when the app doesn't work R1, and one user was so frustrated they threatened to report to the BBB and close accounts, claiming the credit union won't hire real people to help R16.
America First Credit Union America First Credit Union's customer service is highly praised by many users, both in person and over the phone . However, some users report extremely long hold times and being hung up on . There are also instances where support couldn't help with app issues like transfers R75, and some find the AI transfers to the wrong representative . One user suggests the need for a person to answer text questions .
Pick General Electric Credit Union if

Pick General Electric Credit Union if you are an existing member who values their competitive rates and overall banking services, and are willing to tolerate an app that has recently become less user-friendly and may require you to use the website or call for certain transactions R2R4R10R16.

Pick America First Credit Union if

Pick America First Credit Union if you prioritize strong customer service and a credit union with a long-standing positive reputation, even if the app experiences frequent maintenance, login issues, and occasional functionality problems .

Evidence note: Both apps have a significant number of recent negative reviews, particularly regarding updates that introduced usability and reliability issues. The lifetime ratings are high for both, suggesting a generally positive experience for long-term members, but recent trends indicate a decline in app satisfaction. The free-to-download nature means all users, including those with minimal engagement, contribute to reviews.

Frequently asked

Do these apps support mobile check deposit?
Yes, both apps offer mobile check deposit, but users of General Electric Credit Union's app frequently report issues with the camera function not working or the app crashing during deposits, especially after updates R12R26R31R33. America First Credit Union users also mention problems with the app not reading checks for deposit .
Can I make loan payments through these apps?
Users of General Electric Credit Union's app frequently report being unable to make loan payments, especially auto loans, within the app after recent updates, often being redirected or encountering errors R1R10R16R19. America First Credit Union users also mention difficulties making car payments through their app, with some noting a lack of a payment button .
Are there issues with logging in or Face ID?
Yes, both apps have reported issues with login. General Electric Credit Union users mention Face ID no longer working R46 and problems entering MFA codes R44. America First Credit Union users frequently experience Face ID not working, being disabled, or requiring constant password updates and authentication codes R63R70.

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. [R3] General Electric Credit Union 3/5 · US No option for principle only payment: The app is fairly easy enough to navigate, but it would be extremely beneficial and a time saver to add the option of making a principle payment. It’s a hassle to have to call in order to make a principle only payment.
  2. [R5] General Electric Credit Union 5/5 · US mobile banking: love to be able to see my balances anytime i want to
  3. [R7] General Electric Credit Union 1/5 · US Make paying account easier: I want to make a payment, don’t tell me there’s no eligible accounts, let me add an account with out giving me an error screen.
  4. [R10] General Electric Credit Union 1/5 · US New App Layout: New layout sucks, tried to make a loan payment but it kept taking me to the “pay with your GE account” option. I do not have a bank account with GE and i could not find the option to pay my loan with my saved outside account like i used to eventually I gave up and had to log in to the actual website just to pay.
  5. [R4] General Electric Credit Union 1/5 · US Awful: I’m all for updating apps and evolving them for the better, but this last update is a disaster. It honestly feels like someone’s kid has a class project to design a new app and this is the result. The old app was easy to navigate and had a straightforward interface. This app seems like it was designed by someone who has never paid a bill online.
  6. [R6] General Electric Credit Union 3/5 · US Latest update: Hate it… I have to Thule more screens to get to where I want to be. I cannot see all my pending payments on on screen anymore. I loved what I had. Why did you change it?! Please put things back where you had it.
  7. [R8] General Electric Credit Union 5/5 · US Good: The app is easy to navigate through and very understandable
  8. [R11] General Electric Credit Union 5/5 · US Easy to use!: GECU has taken online banking to a more user friendly level, with this app, it is easy to look at your account(s), to see what transactions have cleared. Thank you for making this a breeze!
  9. [R1] General Electric Credit Union 1/5 · US Can’t use it: Can’t make a payment app doesn’t work. Just always pops up call the bank to move money. What’s the point in having an app at all?
  10. [R9] General Electric Credit Union 3/5 · US Works when it wants to: Sometimes it works sometimes it dont this is what wee have to look forward to with banking wanting to go digital. And they wonder why ppl are pushing ti keep physical currency around
  11. [R2] General Electric Credit Union 5/5 · US A+++: Great bank/credit union I have been a member for over 35 years, best and cheapest rates always, my go to bank!
  12. [R23] General Electric Credit Union 5/5 · US Mr Tinashe: It’s stress free and it’s the best ever, I am not afraid of defaulting. All my payments are on time. I love it.
  13. [R35] General Electric Credit Union 5/5 · US Great online tool: I have been very pleased using the online banking app.
  14. [R62] America First Credit Union 5/5 · US Great: What a good credit union
  15. [R16] General Electric Credit Union 1/5 · US I hate this app so much I’m closing all my accounts and reporting to BBB: I don’t know what idiot you have working on this app but he needs to go. Stop moving stuff around. It’s impossible to even make auto loan payments. I’ve been trying to make a payment all weekend. I’m calling Monday to transfer all my money. Don’t bother. I’m so very frustrated. Don’t bother calling either. These cheap loser
  16. [R45] General Electric Credit Union 5/5 · US Great Financial Institution: GECU is amazing. They have the best staff, the fastest return contact, and loyalty to their members. They have been there for me and my family every time we’ve reached out. I will always bank with them. As far as the app is concerned is great. It’s efficient. Could use slight enhancements to better the app but I don’t have any issues using this one.
  17. [R75] America First Credit Union 3/5 · US Transfers: Why can’t I transfer funds within my account. I used to be able to do that. I spoke with AFC but they couldn’t help. Help please
  18. [R12] General Electric Credit Union 3/5 · US IPhone 14 ios16: camera not working for deposits
  19. [R26] General Electric Credit Union 1/5 · US Will not let you pay: I just recently had to download this app to pay something off and every single time you click “mobile deposit” the entire app shuts down. EVERY. TIME. I cannot use the app to pay ever I always to open a web browser. Pointless app.
  20. [R31] General Electric Credit Union 5/5 · US Mobile deposit problem: iPhone 11, just updated to IOS 16.1, cannot do mobile deposit because the camera screen gets stuck at “turn your phone to take a picture” or something like that. Tried a restart and a reinstall with no luck. I didn’t have this issue before IOS 16. So I’m thinking that’s what caused it.
  21. [R33] General Electric Credit Union 5/5 · US Mobile Deposit Not Working: Camera on mobile deposit messed up not allowing mobile deposits.
  22. [R19] General Electric Credit Union 1/5 · US Can’t pay auto loan: After the last update, I am no longer able to pay my auto loan from within the app.
  23. [R44] General Electric Credit Union 1/5 · US Can’t login: Will not show the field to enter the code from the text message.
  24. [R46] General Electric Credit Union 1/5 · US Face ID: Disappointed that Face ID no longer works.
  25. [R63] America First Credit Union 3/5 · US Great App Minus the Bugs: I never had problems on android, but there are some bugs on the iOS version it seems. Logging in is always a hassle as usually Face ID doesn’t work, and gets disabled quite often.
  26. [R70] America First Credit Union 1/5 · US Difficult to use: Not supported in locations where military travels. 3/30 Biometrics login stopped working so I have to use credentials every time I open the app. It’s difficult to find account numbers. There’s no distinction between my wife’s card and mine. It’s unclear if utilizing location on the card/app would prevent one of us from using the card since I’m traveling to the conflicted side of

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