SAFE Credit Union vs Navy Federal Credit Union

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. [R21] SAFE Credit Union 3/5 · US Need Zelle: Please get Zelle.
2. [R28] SAFE Credit Union 2/5 · US Please bring back pending transfers: I have been banking with SAFE for over 10 years. The app has always streamlined the banking process for me and made budgeting manageable. SAFE functions as my financial home base, money coming in is almost always transferred elsewhere. This was never an issue until the recent app update removed the ability to view pending transactions within the account and
3. [R68] Navy Federal Credit Union 4/5 · US Recent issues: I’ve been experiencing issues with the app freezing up anytime I attempt to set cardholder limits or Freeze/Unfreeze another users credit card. This issues also sometimes occurs when checking upcoming transactions. Otherwise it’s a great app.
4. [R80] Navy Federal Credit Union 4/5 · US Great updates: Always been a pretty easy app to use, but they recently updated how they show and handle credit card points and they really made it magnitudes better. Still not perfect, but way better than before. A few notes: NFCU, now all I want is to not have to press a button to sign it when I open the app. Pleeeaaaseee. Just start the FaceID scanning automatically for a seamless sign in, all
5. [R1] 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.
6. [R19] 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.
7. [R62] Navy Federal Credit Union 4/5 · US Love NFCU: I generally have no complaints about NFCU, but recently, I am finding it difficult to look at my certificate details. I hit the arrow to expand that section. Sometimes it immediately closes back up, sometimes it lets me scroll down for a second or two before it closes back up.
8. [R105] Navy Federal Credit Union 3/5 · US So Slow: Slowest app on my phone, by far. Load time is ridiculous.
9. [R3] SAFE Credit Union 3/5 · US Was a great app: Since the most recent update today, the app and all cards don't work. Even my Dwight tried to go and make a purchase this evening and all our accounts and hers can't access any funds from all accounts. On the app none of our accounts are present anymore and support is down. This isn't a general maintenance like it says on the site. Much more serious.
10. [R61] Navy Federal Credit Union 2/5 · US Always under maintenance: WHYYYY is this app constantly under maintenance? I try to open in and half the time I can't even check my account or transfer money because they're "conducting scheduled maintenance." I've never dealt with a banking app or any app like this where it's always undergoing some sort of service, like this is so frequent that it has irritated me enough to the point of writing a
11. [R70] Navy Federal Credit Union 1/5 · US Maintenance times: Maintenance times take too long when I need to acces my account the most
12. [R31] SAFE Credit Union 1/5 · US Needs work: I recently closed an account and opened a new one. Now when I try to log in with my new credentials it tells me “information incomplete” and to call them. When I do they have no clue why I can’t log in. It’s ridiculous that they are unable to get me access and basically are like “oh well”. The best they could do was tell me to turn my phone off and back on. IT customer service is a jok
13. [R76] Navy Federal Credit Union 1/5 · US Customer service: I had an urge matter I needed answering and instead of answering navy reader customer support made me wait hours and didn’t even answer as well as the instagram navy federal had answered faster then the actual company.
14. [R77] Navy Federal Credit Union 4/5 · US Frustrating issues: Frequently neglects to display scheduled credit card payments, almost causing me to make the payment twice. Takes too long to be connected to a live agent in the chat, and for the past 2 days a red banner says tech issues try again later when I’m trying to make my credit card payment. Frustrating!!