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

SAFE Federal Credit Union vs America First Credit Union

SAFE Federal Credit Union 4.8★ · Free to download 40
Winner America First Credit Union
America First Credit Union 4.8★ · Free to download · ⚠ stale 65

America First Credit Union (AFCU) generally offers a more reliable and user-friendly mobile banking experience compared to SAFE Federal Credit Union, despite both apps facing some common issues like login problems and maintenance.

Full reviews: SAFE Federal Credit Union · America First Credit Union

America First Credit Union's app is generally easier to navigate and more reliable, though it suffers from frequent maintenance and login issues. SAFE Federal Credit Union's app is plagued by slow performance, crashes, and a difficult user experience, particularly after recent updates.

Head to head

Features & Functionality edge: America First Credit UnionR1R3R4R9
SAFE Federal Credit Union SAFE Federal Credit Union users report issues with core features like transferring money between accounts, depositing checks, and using bill pay, with some features requiring a slow redirect to a third-party website R1R3R4R9. The new bill pay system is criticized for not showing pending payments and often sending physical checks . Some users appreciate external transfers and updated balances .
America First Credit Union America First Credit Union users generally find the app has convenient in-app options and card controls . However, some report difficulty with mobile check deposits , making online payments , and transferring funds within their own accounts . Zelle functionality is a desired feature, with one user noting it's a credit union decision , while another on iPhone SE couldn't access the Zelle button .
Ease of Use & Navigation edge: America First Credit UnionR4R16R24R26
SAFE Federal Credit Union Many SAFE Federal Credit Union users find the app difficult to use and navigate, especially after recent updates, describing it as 'complicated' and 'aggravating' R4. Basic functions take more time, and some users struggle with setting up or accessing accounts . Others find it easy to use for transfers and daily navigation R16R24R26.
America First Credit Union America First Credit Union users often describe the app as easy to navigate and use . However, some find it difficult to navigate R70 and report an outdated interface . There are also specific complaints about functions being off-screen on smaller devices like the iPhone SE .
Reliability & Performance tieR1R4R7R13
SAFE Federal Credit Union SAFE Federal Credit Union's app is frequently criticized for being slow, crashing, and not opening or loading information R1R13. Users report technical issues preventing logins, access to accounts, and use of features for weeks R4. There are also complaints about delayed direct deposits and transaction timings R7R40.
America First Credit Union America First Credit Union's app is often praised for running smoothly . However, a significant number of users report frequent issues with login, including Face ID not working or being disabled R63R70, and multi-factor authentication failing . The app is also frequently unavailable due to maintenance R67R72R76R81. Users also mention slow transaction updates and general glitches .
Customer Support & Communication edge: America First Credit UnionR3R30R32R36
SAFE Federal Credit Union SAFE Federal Credit Union users report that customer service representatives acknowledge issues with the bill pay system R3. Some users praise the in-branch staff as professional and courteous R30R36, and helpful with fraud recovery R32. However, there are complaints about unresponsiveness via email and phone and a lack of proactive communication during outages .
America First Credit Union America First Credit Union users praise customer service in person, on the phone, and online . However, some report long hold times and calls being disconnected , and difficulty getting help with app issues . There is also a desire for a text-based support option for specific account questions .
Price & Value edge: America First Credit UnionR10R20R22R40
SAFE Federal Credit Union SAFE Federal Credit Union is generally seen as a good bank with competitive rates R10R20R22. However, one user reported a surprising $10 fee for every payment, which caused frustration R10. Another user mentioned potential extra charges that clerks deny R40.
America First Credit Union America First Credit Union is praised for helping users with financial goals and rebuilding their financial future . Users appreciate the value of being a member . There are no specific complaints about unexpected fees within the app reviews, but one user mentioned being overcharged by the app .
Pick SAFE Federal Credit Union if

You are a long-time member of SAFE Federal Credit Union who primarily uses the app for basic account viewing and transfers, and you are willing to tolerate occasional performance issues and navigate a less intuitive interface R16R24R26.

Pick America First Credit Union if

You prioritize a generally easy-to-navigate app with good in-app options and card controls, and you are comfortable with occasional app maintenance periods and potential login troubleshooting .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The reviews for both apps show a mix of positive and negative experiences, with recent negative reviews often highlighting issues with updates and reliability.

Frequently asked

Does SAFE Federal Credit Union's app allow mobile check deposits?
Some SAFE Federal Credit Union users report that they cannot deposit checks using the app's image feature R9.
Are there frequent maintenance issues with the America First Credit Union app?
Yes, America First Credit Union users frequently report that the app undergoes maintenance, sometimes weekly, making it impossible to access bank information R67R72R76R81.
Do either of these apps have issues with biometric login?
Both apps have reported issues with biometric login; SAFE Federal Credit Union users struggle to enable Touch ID R27, while America First Credit Union users frequently experience Face ID not working or being disabled R63R70R85.

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. [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
  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. [R16] SAFE Federal Credit Union 5/5 · US Easy App: I love this App for ease of use, No one needs to go to the bank. To transfer money.
  6. [R24] SAFE Federal Credit Union 5/5 · US Easy to Use: I use the Safe mobile app almost daily. So easy. Can navigate through with ease.
  7. [R26] SAFE Federal Credit Union 5/5 · US Easy Peasy: Love how easily I can transfer my funds
  8. [R7] SAFE Federal Credit Union 2/5 · US Pending direct deposit delay: Why do my social security check delay when it show
  9. [R13] SAFE Federal Credit Union 1/5 · US Awful: App barely works and won’t let me in my account at all.
  10. [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
  11. [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.
  12. [R36] SAFE Federal Credit Union 5/5 · US Great Service: Long time Customer and still happy
  13. [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??????
  14. [R20] SAFE Federal Credit Union 5/5 · US Great bank: I love banking with safe federal credit union tgey are awesome
  15. [R22] SAFE Federal Credit Union 5/5 · US Love it: Best bank every
  16. [R40] SAFE Federal Credit Union 4/5 · US Would be great but: The transaction timing is horrible it seems to delay the amount of payments given out to the vendors or what have you call them. And it just seems that you may a little extra charges even though the clerks over the phone claim you don’t. It’s very frustrating when it seems you have an amount of money that you don’t have and it’s very frustrating when you are trying hard to accu
  17. [R67] America First Credit Union 2/5 · US Love AFCU but the maintenance has to STOP frequently!: I love the AFCU App and it’s been so amazing to use to access my bank information! However, it’s becoming so frustrating that AFCU is constantly doing maintenance on the app all the time that it’s impossible to access my bank information instead of going to browser. Please STOP with the maintenance every single week! It’s becoming so annoying!
  18. [R72] America First Credit Union 3/5 · US Never works: This app undergoes more maintenance than a methheads car
  19. [R76] America First Credit Union 2/5 · US app needs to be fixed: easy to use but for the love of god make it work, it loads and loads and loads, it will not let me log in, it won’t let me transfer money, it’s always under some kind of work. please send some kind of warning before literally turning the app off for the sake of us! it’s annoying and if it always has to have this dumb work done then i’m bound to switching banks because its ge
  20. [R81] America First Credit Union 1/5 · US App doesn’t work: Had America first for years and have never liked the way they show your balances. lately they have constant maintenance so you can’t get into your mobile banking, and have had at least two occurrences they announced they had issues with cards being denied for no reason.
  21. [R27] SAFE Federal Credit Union 1/5 · US TOUCH ID IS USELESS!!!: I’ve spent many hours trying to figure out how to enable Touch ID for this app. There’s an option to turn TouchID on in the app settings, but it doesn’t work. Instead it refers you to your device settings. Touch ID can’t be enabled on device settings until it’s turned on in the app. So...there’s a “Catch 22” situation. I Googled this, looked at other SAFE sites, etc.
  22. [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.
  23. [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
  24. [R85] America First Credit Union 1/5 · US Nothing but problems: One account card sends a fraud report and stops the card, every time we leave out of state, which is our closest town. And stuck and very inconvenient! Card has been reissued at least 9 times a year, impossible to bill pay. Face ID, keeps turning off, and it’s not Apple doing this. To many problems with this bank, a loan we took out, completely messed up. Paid off in time.

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