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

5Point Credit Union vs Navy Federal Credit Union

5Point Credit Union 4.8★ · Free to download 75
Winner 5Point Credit Union
Navy Federal Credit Union 4.9★ · Free to download 60

For a more reliable and generally smoother user experience, 5Point Credit Union's app has a slight edge, despite some feature gaps, over Navy Federal Credit Union's app, which is plagued by frequent maintenance and bugs.

Full reviews: 5Point Credit Union · Navy Federal Credit Union

5Point Credit Union's app is generally praised for its ease of use and reliability, though some users report issues with mobile check deposits and a lack of advanced features. Navy Federal Credit Union's app, while offering a broader range of features, is frequently criticized for constant maintenance, login problems, and various bugs.

Head to head

Ease of Use edge: 5Point Credit UnionR1R2R14R17
5Point Credit Union Many users find the 5Point Credit Union app easy to navigate and user-friendly for checking balances, transferring money, and paying bills R2R14R17. However, some recent reviews mention a messy design and difficulty with account and display preferences R1.
Navy Federal Credit Union Navy Federal Credit Union users generally find the app easy to use for basic banking tasks and appreciate the interface . However, some recent updates have caused display issues, making the home screen too wide for some iPhones , and some users report issues with FaceID not automatically scanning for seamless login R80.
Reliability and Performance edge: 5Point Credit UnionR4R7R12R13
5Point Credit Union The 5Point Credit Union app is generally described as running smoothly and being efficient . However, some users report it being slow to load, especially the bill pay section R4R13, and occasional application errors or login issues R7R12.
Navy Federal Credit Union Navy Federal Credit Union's app is frequently criticized for being slow, locking up, and experiencing constant maintenance shutdowns, making it inaccessible at crucial times R61R63R64R67. Users also report issues with login recognition despite correct passwords .
Features and Functionality tieR6R9R10R15
5Point Credit Union 5Point Credit Union's app offers mobile check deposit, bill pay, and money transfers . However, there are frequent complaints about mobile check deposit glitches, where checks don't show up or the camera function fails R9R10R19R24. Users also desire features like fingerprint login R21, a widget for balances R6, credit card transaction history R15, Zelle Pay options , and the ability to edit scheduled bill payments instead of just canceling them . Some find the app 'plain' with limited features .
Navy Federal Credit Union Navy Federal Credit Union's app provides features like credit card management, rewards redemption, and savings goals R80. However, users report issues with mobile deposits, with the screen freezing or photos being deemed blurry . There are also complaints about credit card notification failures , glitches with the travel site , and problems with the 'my savings goals' feature not accurately reflecting balances . Users also request a dark mode , a memo option for transfers , and an auto-pay option for credit cards . The widget feature was removed and users want it back .
Customer Support edge: 5Point Credit UnionR10R22R31R32
5Point Credit Union 5Point Credit Union members praise the institution's customer service, with friendly and helpful staff in branches and loan departments R31R32. However, one user reported that customer service couldn't fix a persistent check deposit glitch in the app R10. Another user found that a person they spoke to did not understand their complaint about check history R22.
Navy Federal Credit Union Navy Federal Credit Union's customer service receives mixed reviews. Some users report long wait times for live agents in chat and on the phone, with issues not being resolved . One user mentioned calling multiple times about credit card notification issues without a resolution .
Pick 5Point Credit Union if

You prioritize an app that is generally reliable, easy to use for basic banking, and backed by strong in-person customer service, even if it lacks some advanced features or has occasional mobile deposit quirks R2R17R32.

Pick Navy Federal Credit Union if

You are a Navy Federal Credit Union member and need an app that offers a wider range of banking features, provided you are willing to tolerate frequent maintenance, occasional bugs, and potential login issues R80.

Evidence note: Navy Federal Credit Union has a significantly larger number of reviews, which naturally leads to a higher volume of reported issues, especially regarding recent updates. 5Point Credit Union's smaller user base means fewer reported issues overall, but the complaints about mobile deposits and slowness are consistent.

Frequently asked

Does the 5Point Credit Union app support mobile check deposits?
Yes, the 5Point Credit Union app does support mobile check deposits, with many users finding it easy and convenient , but some users experience glitches where checks don't show up or the camera function fails R9R10R19R24.
Why is the Navy Federal Credit Union app often unavailable?
The Navy Federal Credit Union app is often unavailable due to frequent and sometimes lengthy scheduled maintenance, which users find inconvenient and frustrating, especially during weekends or critical times R61R63R64R67.
Can I use Face ID or fingerprint login with these apps?
The 5Point Credit Union app offers fingerprint login for quick and secure access R54, but one user wished for an update to include fingerprint access to catch up with other banking apps R21. Navy Federal Credit Union users desire automatic FaceID scanning for a seamless sign-in, as it currently requires pressing a button R80.

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] 5Point Credit Union 2/5 · US Awful Design: I had the website bookmarked on my phone & computer forever. I wish I hadn’t removed it for this app. This is a total mess. Every time I make a change & then go back to fine-tune it, I get an error message. It doesn’t matter what the change is - account preferences, display preferences, etc. I tried adding the bookmark back but it looks different now. I really hate this messy app!
  2. [R2] 5Point Credit Union 5/5 · US Perfecto: I love this easy
  3. [R14] 5Point Credit Union 5/5 · US Gold star for 5 point: 5Point is wonderful! The app is easy to navigate. I wish they had a virtual teller.
  4. [R17] 5Point Credit Union 5/5 · US 5Point Bank App: It’s great very easy to use and super efficient. Great job guys!
  5. [R4] 5Point Credit Union 1/5 · US Bill Pay is so slooooooow to load in app: I’ve been a member of 5 Point for 20+ years and a user of the app as soon as it came online. There must have been an update or change to a different OLB platform because Bill Pay used to be quickly responsive, but now it takes a very long time to load in app. Annoying for the individual who counts on the convenience of OLB to manage banking tasks quickly.
  6. [R7] 5Point Credit Union 1/5 · US The app will not open and I can not check my accounts: IPhone pro 13 App won't open
  7. [R12] 5Point Credit Union 3/5 · US Not working: The app won't allow me to login any longer. My password works on the website but not on the app.
  8. [R13] 5Point Credit Union 2/5 · US Slow: It’s real slow sometimes
  9. [R6] 5Point Credit Union 3/5 · US Widget iOS18 update: Will there be an update for the widget so we can see our balance?
  10. [R9] 5Point Credit Union 3/5 · US Check depositing: Since the app has been updated everytime I deposit a check it does not show up in my accounts. The check will be accepted and the money in my checking will remain unchanged. I have to transfer money to my savings in order for it to change or sometimes it doesn’t even show any accounts eligible for transfer so that I can have it change. When I call 5 point to ask why my check isn’
  11. [R10] 5Point Credit Union 1/5 · US Nice customer service, Bad app: The app is mostly straightforward to use; however, my check deposit section glitches and denies me access to it. I have talked to customer service to get it fixed and they tried to but it still doesn’t allow me to access that part which means I always have to drive over there to deposit checks. Not to mention that their online money transfer goes through Pop-Money w
  12. [R15] 5Point Credit Union 3/5 · US Credit card history: There should be a view of transactions on your credit card purchases
  13. [R22] 5Point Credit Union 2/5 · US Five Point Credit Union App: App needs some work, especially on the history portion of accounts that shows checks. Need to have check numbers on history without having to download actual check to review. Many times I cannot download check. Called credit union to complain and person I spoke to did not understand.
  14. [R31] 5Point Credit Union 5/5 · US Ricky Richard: Excellent top-notch service everything that I need in 5Point Credit Union thanks again
  15. [R32] 5Point Credit Union 5/5 · US Business account review: I’ve been very pleased with my business accounts at 5 point credit union. The management has been extremely kind and accommodating with any of my banking issues. I highly recommend this credit union.
  16. [R19] 5Point Credit Union 2/5 · US Decent app with terrible mobile deposits: This app worked perfectly fine for balance checking and balance transfers. When they announced a mobile deposit function I got pretty stoked as I live pretty far away from any branches. Sadly, this portion of the app is terrible. After trying with several different checks I finally gave up. Potential for great mobile banking but it falls short.
  17. [R24] 5Point Credit Union 3/5 · US App: I love having the convenience but it doesn't always work when I need to deposit a check. It cuts off or refuses the pics sometimes.
  18. [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
  19. [R63] Navy Federal Credit Union 3/5 · US The Maintenance shut down is annoying: Eveytime I need to get into my bank I gotta worry if it in maintenance or not like at least give me a warning
  20. [R64] Navy Federal Credit Union 1/5 · US Unacceptable: I live in Hawaii and the navy federal app is almost always being worked on. Definitely open another bank!
  21. [R67] Navy Federal Credit Union 1/5 · US The app is trash: It shouldn’t ever take 6 plus hours for a “ schedule maintenance” it’s ridiculous at this point
  22. [R21] 5Point Credit Union 3/5 · US Update: It would b nice if it had the update where I can use my fingerprint to access my accounts. Let's catch up to the times and don't let the other banking apps out perform the app.
  23. [R54] 5Point Credit Union 5/5 · US Great app: Really great app! No problems so far! Like that you can use your print for quick and secure access! Just used the transfer part of the app today! It's works great! Kudos to y'all
  24. [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

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