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

SAFE Federal Credit Union vs SAFE Credit Union

SAFE Federal Credit Union 4.8★ · Free to download 45
Winner SAFE Credit Union
SAFE Credit Union 4.8★ · Free to download 55

While both apps have dedicated users, SAFE Credit Union (App B) generally offers a more reliable and functional experience, despite recent update issues, making it the slightly better choice.

Full reviews: SAFE Federal Credit Union · SAFE Credit Union

Both SAFE Federal Credit Union (App A) and SAFE Credit Union (App B) apps face significant user frustration due to recent updates, leading to crashes, login problems, and missing features. However, App B appears to have a larger base of satisfied long-term users and, despite its flaws, is perceived as more functional overall.

Head to head

Features tieR1R3R6R9
SAFE Federal Credit Union Users of SAFE Federal Credit Union (App A) report missing key features like check deposit by image and external transfers R9. The bill pay system is frequently criticized as slow, antiquated, and prone to errors, with checks being sent back R3R6. Accessing credit card information often redirects to a slow third-party website, which users find annoying R1.
SAFE Credit Union SAFE Credit Union (App B) users also express frustration with missing or broken features, particularly the inability to view pending transactions or transfers after recent updates . The bill pay feature is also cited as frequently not working . Some users desire features like Zelle integration and spending/savings buckets R81. However, some users appreciate the ability to deposit or withdraw cash at ATMs without waiting in line .
Ease of Use tieR4R13R15R17
SAFE Federal Credit Union Many users of SAFE Federal Credit Union (App A) find the app difficult to use, especially after updates, citing too many steps, complicated navigation, and a loss of simplicity R4. Login issues are common, with users unable to access accounts, facing invalid credentials, or being forced to update the app repeatedly R13R15R17R23.
SAFE Credit Union SAFE Credit Union (App B) users also report significant usability problems, especially after updates, describing the app as frustrating and a headache to navigate . Login issues are present, with users unable to access accounts or facing problems with authentication codes . Some users find the app generally user-friendly when it works .
Reliability tieR1R7R15R17
SAFE Federal Credit Union SAFE Federal Credit Union (App A) is frequently criticized for being slow, crashing repeatedly, and not loading information R1R15. Users report being unable to access their accounts for days or weeks, particularly after updates R17. There are also complaints about delayed direct deposits and transactions taking too long to process R7.
SAFE Credit Union SAFE Credit Union (App B) also suffers from significant reliability issues, with users reporting the app is glitchy, slow to load, laggy, and frequently crashes . Some users have experienced the app being completely unusable for extended periods, even up to 11 days . Notifications are sometimes delayed, causing confusion .
Price/Value edge: SAFE Credit UnionR10R65R71R89
SAFE Federal Credit Union One user of SAFE Federal Credit Union (App A) reported being charged a $10 fee for every payment, which caused frustration R10. Otherwise, reviews do not extensively discuss pricing or value beyond general satisfaction with the credit union.
SAFE Credit Union Reviews for SAFE Credit Union (App B) do not mention specific fees or pricing issues related to the app or banking services. Users generally express satisfaction with the credit union itself, often citing long-term membership and positive experiences R65R71R89.
Support edge: SAFE Credit UnionR3R30R32R44
SAFE Federal Credit Union Users of SAFE Federal Credit Union (App A) report difficulties getting help, with a phone number for help being a fax line and emails not being responded to . Even when contacting representatives, they acknowledge the bill pay system is bad R3. However, some users praise the in-branch staff as helpful and professional R30R32R44.
SAFE Credit Union SAFE Credit Union (App B) users also report issues with support, such as support being down during app outages and IT customer service being unhelpful with login problems . The chat function in the app is described as glitchy and frequently closing . Despite this, many users commend the credit union's customer service as excellent and supportive R71R89.
Pick SAFE Federal Credit Union if

You are an existing SAFE Federal Credit Union customer who primarily uses the app for basic account viewing and transfers, and you value strong in-person branch support .

Pick SAFE Credit Union if

You are looking for a banking app that, despite recent update issues, has a larger base of long-term satisfied customers and generally reliable core functions, and you value strong customer service from the credit union itself R65R71.

Evidence note: Both apps have very similar names and high lifetime ratings, but recent reviews for both show significant frustration with app updates, leading to a disconnect between lifetime ratings and current user sentiment. The free-to-download nature means users are not paying for the app itself, but for banking services, so negative reviews are not tied to app cost.

Frequently asked

Do these apps support mobile check deposit?
SAFE Federal Credit Union (App A) users report that they cannot deposit checks using an image, indicating a missing feature R9. SAFE Credit Union (App B) users experience issues with the check deposit feature, stating it sometimes doesn't work or gives incorrect error messages R96R113.
Are there issues with logging into the apps?
Yes, both apps have significant login issues, with users of SAFE Federal Credit Union (App A) reporting problems with invalid credentials, being unable to access accounts for weeks, and being forced to update the app repeatedly R13R15R17R23. SAFE Credit Union (App B) users also face login difficulties, including issues with authentication codes and being told their information is incomplete .
Do either of the apps support Zelle for transfers?
Neither app appears to fully support Zelle, as users of both SAFE Federal Credit Union (App A) and SAFE Credit Union (App B) express a desire for Zelle access, indicating it is either missing or not fully integrated R60R81.

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] SAFE Federal Credit Union 2/5 · US To slow crashes: The app is much slower than other banks and man the credit card 3rd party is annoying. It’s so slow to open, it crashes repeatedly. If you want to try to use your reward point you better set aside half your day to get to the 3rd party website. You would think a bank would have a state. Of the art website as your handling peoples money
  2. [R3] SAFE Federal Credit Union 3/5 · US Bill pay: The worse system to use @ safe since its inception, we get checks sent back half the time we use it, useless because it takes so much time to put it in the system. The idiocy of it all, is that they know it, I call and the reps say it's a bad system.... this is over many years now, I'm a member since 84.
  3. [R6] SAFE Federal Credit Union 3/5 · US Review: I love the online banking but I’m not a fan of the new Billpay.
  4. [R9] SAFE Federal Credit Union 3/5 · US Adequate: Last I checked, I could not deposit a check by using the image. That’s the only feature I really miss
  5. [R4] SAFE Federal Credit Union 1/5 · US To much ‏ complication: Like for example, transferring money from account to account it’s not doing it. I don’t know. Why is it the app? Is there any technical issues or something else and other things not an easy one
  6. [R13] SAFE Federal Credit Union 1/5 · US Awful: App barely works and won’t let me in my account at all.
  7. [R15] SAFE Federal Credit Union 1/5 · US SAFE: App doesn’t open. Needs serious updates. Won’t load info.
  8. [R17] SAFE Federal Credit Union 1/5 · US My account: I haven’t been able to access my account in weeks
  9. [R7] SAFE Federal Credit Union 2/5 · US Pending direct deposit delay: Why do my social security check delay when it show
  10. [R10] SAFE Federal Credit Union 1/5 · US $10 fee every transaction?????: Shame that I chose to bank with you guys because of best rate but then charge $10 fee for every payment??????
  11. [R65] SAFE Credit Union 5/5 · US I am so happy to be here: 17 years no issues I am very happy to have come here.
  12. [R71] SAFE Credit Union 5/5 · US Safe: I’ve been with SAFE credit union for over 20 years. They’ve always been very helpful whenever we’ve needed it. I’ve had multiple loans through them the process was always smooth I have checking and savings and whenever I have issues they’ve always been there to help me when I lost my wife and had to change some stuff on our account they were to support .
  13. [R89] SAFE Credit Union 5/5 · US great service: Had this bank for over 8 yrs been great every time we needed answers or help
  14. [R30] SAFE Federal Credit Union 5/5 · US Why I love safe bank: I’ve been working with safe since I was 18 years old, good people in all the branches ready and willing to help you
  15. [R32] SAFE Federal Credit Union 5/5 · US Customer service: This bank is outstanding! My account was phished for a lot of money. They were extremely helpful and professional to help me through this process of the recovery of my money.
  16. [R44] SAFE Federal Credit Union 5/5 · US Knowing my limit: This 24/7-365(366) any time online banking advantage keeps me informed. I can access my accounts at my convenience. Bonus no lines, no showing identifications, although every employee is an Angel which is truly professional. Yet the online opportunity is not business hours limited. I can multitask on my accounts with my fingertips. I’m highly pleased with this service!!! 💜
  17. [R96] SAFE Credit Union 3/5 · US Good but the check deposit could be better: I like the convenience of this app. No complaints about it other than the fact that the check deposit feature sometimes doesn’t work. I deposit checks frequently, and maybe about 25% of the time the app will say it cannot deposit my check “because this check may have been deposited before” even when it’s a fresh check. There’s been other reasons it has g
  18. [R113] SAFE Credit Union 1/5 · US Check online deposit doesn’t work: Check online deposit doesn’t work
  19. [R23] SAFE Federal Credit Union 1/5 · US It’s a thumbs down for me: “Updated” version is trash. You literally have to be taken to the app & “update” the app each time you need to log into the app. It’s a major inconvenience & extremely aggravating to say that least.
  20. [R60] SAFE Federal Credit Union 5/5 · US The app is good. Zelle access would be great!: The app runs smoothly, and has been extremely reliable. I would love to be able to transfer money via Zelle, but I know the decision to use Zelle is a credit union thing and not a mobile app limitation.
  21. [R81] SAFE Credit Union 3/5 · US Need Zelle: Please get Zelle.

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