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

SAFE Credit Union vs America First Credit Union

SAFE Credit Union 4.8★ · Free to download 55
Winner America First Credit Union
America First Credit Union 4.8★ · Free to download · ⚠ stale 60

America First Credit Union has a slight edge due to its more consistent app performance and better-regarded customer service, despite both apps facing significant recent issues.

Full reviews: SAFE Credit Union · America First Credit Union

Both SAFE Credit Union and America First Credit Union apps have recently struggled with glitches, downtime, and login issues. While SAFE CU users report frequent app crashes and non-functional features, America First CU also experiences regular maintenance and login problems, but its overall customer service and long-term reliability are often praised.

Head to head

Features tieR6R9R10R21
SAFE Credit Union SAFE Credit Union users appreciate features like easy ATM deposits and withdrawals, and the ability to view purchases within the app for peace of mind R9R10. However, recent updates have removed the ability to see pending transactions and made it harder to view all card transactions R25R28. Users also report issues with the chat function closing, card services not working, and bill pay errors R6R30R33. Some users desire features like Zelle, transaction memos, and spending buckets R21.
America First Credit Union America First Credit Union users find the app generally easy to navigate with convenient in-app options and card controls . The app helps users track spending and manage finances, with some appreciating its categorization features . However, users report issues with online payments not working , difficulty finding account numbers, and a lack of distinction between cards . Some users also note that the search function for transactions is limited , and Zelle functionality is sometimes out of view on smaller screens .
Ease of Use tieR1R9R12R14
SAFE Credit Union SAFE Credit Union users describe the app as generally user-friendly and simple to use R1R9R14. However, recent updates have made the app frustrating, with users struggling to pull up accounts due to buffering and finding the new layout less convenient for viewing transactions R12R25. Issues with accessibility software on iPhones have also been reported .
America First Credit Union America First Credit Union users often find the app easy to navigate and simple to use . However, some users find the interface difficult to navigate and not user-friendly . There are also reports of functions being out of view on smaller iPhone screens .
Reliability tieR1R3R15R18
SAFE Credit Union SAFE Credit Union's app is frequently described as glitchy, slow to load, laggy, and prone to crashing R1R18R41. Many users report the app being completely down or unusable for extended periods, sometimes for days R3R19. Issues also include check deposit failures and delayed email notifications R15.
America First Credit Union America First Credit Union's app is plagued by frequent maintenance, making it impossible to access banking information . Users also report persistent login issues, including Face ID not working, constant password updates, and authentication failures . Some users experience incorrect balances and delayed transaction updates .
Price/Value tieR2R5R8R11
SAFE Credit Union Both apps are free to download, and users generally praise SAFE Credit Union as a great bank with good value for long-term members R2R5R8R11.
America First Credit Union America First Credit Union is also free to download, and its members express strong loyalty and satisfaction with the credit union's overall value and support for financial goals .
Support edge: America First Credit UnionR3R11R29R31
SAFE Credit Union SAFE Credit Union members generally report positive experiences with customer service, describing staff as helpful, kind, and supportive R11R29R35. However, some users have encountered issues with support being down during app outages or being unable to resolve login problems R3R31.
America First Credit Union America First Credit Union receives high praise for its customer service, with members describing it as the best . Users appreciate the helpfulness and friendliness of staff in person and over the phone . However, some report long hold times, calls being disconnected, and unhelpful responses from customer service regarding app issues . There are also complaints about non-human AI systems transferring to the wrong representatives .
Pick SAFE Credit Union if

Pick SAFE Credit Union if you prioritize a generally simple app interface and value a credit union with a long history of positive in-person customer service R9R14R11.

Pick America First Credit Union if

Pick America First Credit Union if you are looking for a credit union with highly-rated overall customer service and an app that, when working, offers good navigation and financial tracking tools, and you are willing to tolerate frequent maintenance and login issues .

Evidence note: Both apps have a high lifetime rating but recent reviews for both are heavily skewed negative, indicating significant issues following recent updates or changes. The free nature of both apps means there isn't a free-vs-paid asymmetry to consider.

Frequently asked

Are the apps for SAFE Credit Union and America First Credit Union reliable?
No, both apps have significant reliability issues, with SAFE Credit Union users reporting frequent glitches, slowness, crashes, and extended downtime R1R3R19R41, while America First Credit Union users experience constant maintenance, login failures, and intermittent access problems .
Do these apps have good customer support?
America First Credit Union generally has better-regarded customer support, with many members praising their in-person and phone service as excellent , although some report issues with hold times and unhelpful responses . SAFE Credit Union also has positive feedback for its helpful staff R11R29R35, but users have noted support unavailability during app outages R3.
What are the main feature complaints for SAFE Credit Union's app?
Key feature complaints for SAFE Credit Union's app include the removal of pending transaction views, difficulty finding past transactions after updates, non-functional card services, and unreliable bill pay and check deposit features R25R28R30R33.
Are there any security concerns with the SAFE Credit Union app?
Yes, one user expressed security concerns because the SAFE Credit Union app disables pasting in password fields, which discourages the use of secure password managers and promotes less secure, easy-to-type passwords R59.

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. [R6] SAFE Credit Union 3/5 · US Chat Function Glitches: Decent app but every time I use the chat function I’m struggling with it closing every few minutes or seconds.
  2. [R9] SAFE Credit Union 3/5 · US Good but disappointed: Hello, I’ve been using SCU for a month or so now and it’s pretty simple to use, I love that, I also love how I can pull up to an ATM myself and deposit or withdraw cash instead of waiting in line and having to talk to someone, makes time go by faster. Unfortunately, I’ve ran into some recent purchasing issues and I’m not really satisfied. I’m not really SURE if this is beca
  3. [R10] SAFE Credit Union 2/5 · US The Effectiveness of Knowing: Knowing that I don’t always have to get a paper receipt or acknowledgment of my purchases because everything is right in my Safe app grants me real peace of mind and power over my savings and checking!
  4. [R21] SAFE Credit Union 3/5 · US Need Zelle: Please get Zelle.
  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. [R12] 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.
  7. [R14] SAFE Credit Union 5/5 · US App: Great, reliable easy to use platform
  8. [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.
  9. [R15] SAFE Credit Union 3/5 · US App not there yet: The app and emailing system it has gotten better but still not there yet. On the email side, I get notifications a day or two later causing me to panic and check my accounts just to see that it was an old transaction.
  10. [R18] 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
  11. [R2] SAFE Credit Union 5/5 · US Great bank: Great bank
  12. [R5] 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.
  13. [R8] SAFE Credit Union 4/5 · US Great place to bank.: I have been a safe member since 2000. Off and on, since. They continue to grow as well have I.
  14. [R11] 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 .
  15. [R29] SAFE Credit Union 5/5 · US great service: Had this bank for over 8 yrs been great every time we needed answers or help
  16. [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
  17. [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.
  18. [R41] SAFE Credit Union 1/5 · US Slow; glitchy: This app has gotten worse over time …i try to check my bank account balance and all the app shows is a spinning wheel
  19. [R35] SAFE Credit Union 5/5 · US Client for life: Great customer service
  20. [R25] SAFE Credit Union 1/5 · US UPDATE 👎👎👎: WHY DID YOU UPDATE THE APP?! it was so convenient, in the past, to view all the transactions on my cards, I immediately opened the main page where I could quickly find everything. Right now, everything is in some kind of electronic statements and I can't find the same page in this app. Previously, I just enjoyed using this application because it was very convenient and everything I nee
  21. [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
  22. [R30] SAFE Credit Union 3/5 · US Card features/services don’t work: Not sure if this is because the type of account I have or what, but anytime I try to use any of the “card services ” I always get an error message.
  23. [R33] SAFE Credit Union 3/5 · US Needs to be updated: The app is supper convenient and I never have issues with the app for the most part. The only thing about this app that always disappoints me is the bill pay. Every time I’ve tried to use it it always says there’s an error and to check back later. It’s been well over a couple months now. I only used that feature maybe 4 times and again super convenient. But after those 4 times
  24. [R59] SAFE Credit Union 1/5 · US Disabled paste in password fields: Paste is disabled in password fields, which discourages the use of secure password managers and encourages the use of short, easy-to-type passwords (which are less secure). This has been a security anti-pattern for over a decade. If the developers of this app are so far behind current security best practices that they’re actively making decisions that harm secur

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